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Habari Njema Group
In this Group: Namtekwa, Munihire, Nyambuba, Lukoo, Mirimo, Tinda, Loyi, Mutupe, Kahindo, Abea, Endukadi, Mahangaiko, Kahindo, Eliza , Amuli, Ngo Mabi, Mangaza, Namasasi, Furaha, Minzori, Muhindo, Ndiwa, Bwira, Masoka, Kitsa, Ndoole
Eliza B. is an entrepreneur, and president of the Habari Njema business group, which is composed of 26 members, three of whom do not appear in the photo. She is 48 years old, a widow, and the mother of eight children who all attend school. Her husband died from a sudden illness.

Eliza B. sells “chipsi” (a type of salted fish from Uganda-Kampala). She has a booth with two lamps in a depot located on the Nyamwisi Boulevard.

She started her business with her own money consisting of small $20 commissions earned as an intermediary. She has been in business for eight years.

This new loan will allow her to replenish her stock (125 kg of chipsi). She also plans to expand her business and purchase a plot of land for her family.

Eliza B. wishes to thank Hekima for helping poor women who cannot turn to traditional banks.
Eliza B. est entrepreneur, présidente du groupe d’affaire Habari Njema, âgée de 48 ans, veuve, mère de 8 enfants qui étudient tous. Son mari fut décédé suite à une maladie inopinée. La cliente Eliza B. est vendeuse des poissons salés chipsi (le chipsi sont des muettement des poissons salés issus de l’Ouganda-Kampala). Elle installe son point de vente dans un dépôt situé au boulevard Nyamwisi -2 lampes. Elle démarra son activité avec un fonds propre reçu des petites commissions de 20$ dans les quelles elle intervenait comme un intermédiaire. Il ya 8 ans qu’elle est en activité. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouvelles marchandises (125 Kg de chipsi). En plus, elle ambitionne agrandir son entreprise, acheter une parcelle pour sa famille. La cliente Eliza B. remercie Hekima pour ses actions dédiées aux pauvres femmes exclues de banque classique. Le groupe Habari Njema est constitué de 26 membres dont 3 clients ne sont visibles sur la photo du groupe..

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
  • 6
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,618,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Habari Njema Group's $3,875 loan helped a member to buy 125 kg of chipsi.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 7, 2011
Mar 8, 2011
Currency Exchange Loss:
Aug 15, 2011