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Anonymous Group
In this Group: Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous
The client is a member of this group of borrowers, and a teacher in a catholic school. At 34 years old, she is a dynamic, ambitious, self-taught entrepreneur who sells cell phone units. She and her husband, who was recently let go from his position, support each other in conducting this business.

She started this activity using her meager teacher’s salary. She later learned about microfinancing through the Hekima MFI, and obtained a first loan of $50 to strengthen her business. Profits from her activity are added to her savings and used to buy food and to provide for her children’s tuition.

This is her 11th loan cycle. Having witnessed the positive growth of her activity over time, she decided to apply for a larger amount. This new loan will allow her to buy 250 cell phone unit cards (Vodacom, MTN, Air Tel, CCT).

She hopes to see her children grow up, and she would like to purchase some land.

She wishes to thank the Hekima MFI for helping poor women who don’t have access to traditional banks to become self-sufficient. It should be mentioned that some of the borrowers are gently carrying their babies.
La cliente, membre du groupe de crédit, elle est aussi enseignante dans une école conventionnée catholique, femme dynamique, ambitieuse, entrepreneur autodidacte, âgée de 34 ans. Elle est vendeuse des unités cellulaires. Elle s’entraide avec son mari dans cette affaire, ce dernier ayant perdu dernièrement son emploi. Elle a commencé son business par son maigre salaire d’enseignant. Plus tard elle fut informée de micro crédit qu’octroi l'IMF Hekima, elle bénéficia son premier crédit de 50$ pour renforcer ses affaires. Les bénéfices de son activité servent d’épargne, d’alimentation et d’appui à la scolarité de ses enfants. Cependant, elle vient d’obtenir son 11eme crédit. Au cours de la période, cette cliente a vu ses affaires prospèrent positivement. Ainsi elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir de s’approvisionner avec 250 cartes d’unités cellulaires (Vodacom,MTN,Air tel,CCT). En plus, elle souhaite voir ses enfants grandir et acheter une parcelle. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes exclues de banque classique. Il sied de signaler que certaines clientes portent doucement leurs bébés.

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.)

  • $119
    Average annual income
  • 8
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $10,200,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Anonymous Group's $4,050 loan helped a member to buy 250 cell phone unit cards (Vodacom, MTN, Air Tel, CCT) for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 21, 2012
Listed
Apr 4, 2012
Currency Exchange Loss:
N/A
Ended:
Aug 15, 2012