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Neema Group
In this Group: Masika, Kavira, Safari, Kahambu, Kahindo, Pascaline, Kabuo, Nguba, Zubeda, Manegabe, Kanyere, Masika, Kahindo, Kalivanda, Nguba, Kahambu, Kabuo
Masika A. is the treasurer of the Neema group. She is 40 years old, married to a farmer, and the mother of five children. All her children are in school except for the youngest who is only 2 years old.

Right after the eruption of the Nyiragongo volcano, which completely destroyed the town of Goma in 2002, she began a commerce selling smoked fish with her own funds. Her starting capital was $100, and later she was granted a $50 loan from Hekima to strengthen her business.

She displays her wares along the street, at the “Two Lamps” point of sale. This new loan will enable her to resupply her stock of 15 baskets. The fish she sells come from Vitshumbi, the largest fishery of Lake Edward, also known as Lake Idi-Amin. Her biggest problem is the decaying and flaking of fish due to a lack of adequate conservation and processing techniques.

She would like to own a plot of land and build a home for her family, as she now lives in a family lodge. Masika A. – a client of Hekima - thanks the organisation for its actions in favor of empoverished citizens who do not have access to classic banking services. It should be noted that the Neema group consists of 17 members.
View original language description ↓
Masika A. est trésorière du groupe Neema, âgée de 40 ans, mariée, mère de 5 enfants, son mari est cultivateur. Tous ses enfants étudient sauf le cadet qui a encore 2 ans. Juste l’après l’éruption du volcan Nyiragongo, qui aurait complètement détruit la ville de Goma en 2002, elle commença son business avec son fond propre par la vente des poissons fumés. Son capital initial était de 100$. Plus tard, elle bénéficia du crédit de Hekima de 50$ pour renforcer son business de commerce vente poissons fumés. Elle expose ses marchandises au long de la rue, point de vente « Deux lampes ». Ce nouveau crédit doit lui servir d’approvisionner son stock de 15 paniers. Les poissons qu’elle vend viennent de Vitshumbi, la plus grande pêcherie du lac Edouard autrement appelé lac Idi-Amin. Le plus grand obstacle c’est la pourriture et le muettement des poissons suite au manque d’un bon système de conservation et transformation. Elle souhaiterait avoir une parcelle et y construire une maison pour sa famille, actuellement elle habite dans un Lodge familial. La cliente Masika A. remercie Hekima pour ses actions en faveur de pauvres citoyens exclus de banque classique. Il sied de signaler que ce groupe Neema est composé de 17 membres.

Additional Information

More information about this loan

Important Information

HEKIMA is a microfinance institution headquartered in Goma, Democratic Republic of the Congo (DRC), with branch offices in Goma and Bukavu. HEKIMA aims to contribute to the transformation of the economic, social, and spiritual lives of the economically active poor of the DRC. To this end, HEKIMA provides its clients with solidarity group loans to support income-generating activities. Despite ongoing instability and violence in its operating areas, HEKIMA continues to keep its doors open and provide credit and savings services for its over 90% female clientele.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 32
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,039,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Neema Group's $5,000 loan helped a member 15 baskets of fish.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 30, 2010
Aug 31, 2010
Currency Exchange Loss:
Jan 15, 2011