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Zawadi Group
In this Group: Mukumbwa, Bavuziki, Bazira, Banyene, Zawadi, Muomba, Sinahofu, Idi, Kakuru, Neema, Rebecca, Muhawe, Heshima, Afo, Riziki
Muhawe is the leader of the business group Zawadi. She is a 36-year-old entrepreneur who is married with seven young children, all in school.

She runs a restaurant-cafeteria, and has been practicing small income-generating activities such as this for over 16 years. She just obtained her ninth credit from the Hekima MFI, and this new loan will allow her to purchase two baskets of potatoes, five liters of oil, 25 kg of flour, some Fanta, 20 liters of milk, etc.

She wants her children to have a comfortable upbringing, and she would also like to expand her business.

Muhawe wishes to thank Hekima for helping poor women who cannot turn to traditional banks.
La cliente Muhawe, leader du groupe d’affaire «Zawadi », est entrepreneur, âgée de 36 ans, mariée, mère de 7 jeunes enfants, qui étudient tous. Elle est sociétaire d’un restaurant-cafeteria. Il y a 16 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 9eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 paniers de pommes de terre, 5 litres d'huile, 25 kg de farine, Fanta, 20 litre de lait, etc. En plus, elle souhaite voir ses enfants grandir confortablement et accroitre son entreprise. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique.

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
  • $11,635,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Zawadi Group's $5,000 loan helped a member to purchase two baskets of potatoes, five liters of oil, 25 kg of flour, some Fanta, 20 liters of milk, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 19, 2011
Oct 20, 2011
Currency Exchange Loss:
Mar 15, 2012