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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
* not pictured
The client is the vice-president of the business association Johovanise. A brave and tireless entrepreneur, she is a 40-year-old mother of eight children who all go to school. She sells fish at the central market of Virunga. Her husband is unemployed, but he occasionally earns a small commission on the sale of land in the area through his friends’ contacts.

She started her business with capital provided by her husband, which she supplemented with credits obtained from the Hekima MFI. Her profits help to boost her savings, and to pay for food and for her children’s tuition.

Past loans have allowed her to acquire various household items for her family (a table, new chairs, pots, etc.). With her business showing growth throughout the last cycle, she has applied for her 4th loan. She will use this new loan to purchase five baskets of fish and more household items.

She wants to see her children grow up comfortably, and hopes someday to buy a plot of land. She wishes to thank the Hekima MFI and its partners for helping low-income women to become self-sufficient.

It should be noted that some of the group members are carrying their babies in this photo, which was taken inside the offices of the central market of Virunga.
La cliente, vice présidente de l’association d’affaire Johovanise, Femme courageuse, infatigable, entrepreneur, âgée de 40 ans, mère de 8 enfants qui étudient tous. Elle est vendeuse des poissons au marché central de Virunga. Son mari est sans emploi, parfois il réalise des petites commissions sur la vente de parcelles dans le quartier aussitôt, qu’il a été associé par ses amis. Elle commença son business avec le fonds propre reçu de son mari. Alors, elle bénéficia le crédit de l’IMF Hekima pour fonds additionnels. Les bénéfices de son activité servent d’épargne, d’alimentation et scolarité pour ses enfants. Cependant, elle vient d’obtenir son 4eme cycle de crédit. Au cours de la période, cette cliente a vu ses affaires évoluent positivement. Toute fois, Grace aux crédits de Hekima, elle a réalisé des petits équipements pour sa famille (table, renouvellement des chaises, casseroles, etc.). Ainsi, ce nouveau crédit doit lui servir de s’approvisionner avec 5 paniers de poissons et autres accessoires de ménages. En plus, elle souhaite voir ses enfants grandir confortablement et acheter une parcelle de souvenir résultant du crédit Hekima. La cliente remercie Hekima et ses partenaires pour les actions d’autonomisation de pauvres femmes à faible revenu. Il sied de signaler que certaines clientes portent leurs bébés et que la photo fut prise a l’intérieur du bureau de marché Central Virunga.

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
  • 18
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,438,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Anonymous Group's $3,650 loan helped a member to buy five baskets of fish and various household items.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 4, 2012
Listed
May 9, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2012