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Anonymous Group
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The client, age 31, is a member of a loan association. She is a young and courageous entrepreneur who is divorced, aged 31 years old. She is the mother of 3 young children (two boys and a girl), who attend primary school. Despite it all, she takes care of her children. She works with others in a restaurant. She also has a stall where she sells motorcycle parts.

She started her retail business by selling luxury items (small chains, jewelry, rings) in the streets. Later she learned that microcredit was available through the microfinance institution Hekima. This is how she received her first loan of 50 USD, which allowed her to strengthen her business. The profits from her activity help her to put some money into savings, to feed her children and pay for their school fees.

She has just obtained her ninth loan. During that time period, she has seen her business prosper. This is why she has decided to request a larger loan amount for this new cycle. With this loan she will be buying two bags of beans, some potatoes, oil, Fanta, Primus etc., to boost her restaurant activity. She would also like to see her children grow, and to buy a plot of land in the future. She thanks Hekima for helping low-income women become autonomous.
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La cliente, membre d’une association de crédit, jeune femme courageuse, entrepreneur, divorcé,âgée de 31 ans. La cliente est mère de 3 jeunes enfants (deux garçons et une fille),qui étudient à l’école primaire.En dépit de tout, elle (la cliente) supporte seule ses enfants. Elle est sociétaire d’un restaurant. Elle a également un Kiosque de vente de pièces motos. Elle commença le petit commerce par la vente d’objet luxueux (chainette, bijoux, bagues) sur la rue. Plus tard, elle fut informée de micro crédit qu’octroi l’IMF Hekima. Ainsi, 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 9eme 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 d’acheter 2 sacs de haricots, pomme de terre, huile, Fanta, Primus, etc., pour renforcer son restaurant. En plus, elle souhaite voir ses enfants grandir et acheter une parcelle dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.

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
  • 17
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,440,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Anonymous Group's $3,450 loan helped a member to buy 2 bags of beans, some potatoes, oil, Fanta, Primus, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 17, 2012
Listed
Apr 24, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2012