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Ishara Group
In this Group: Mbambu*, Kavira*, Nsamba, Nyamarigura, Amida, Miriamu, Nongo, Masika, Kavira, Kavira, Make, Atosha, Nyanvura, Mapendo, Fatuma, Mwanvua, Masika, Antoinnette, Mikano, Tasiya, Safi, Uwase, Nyiraboshi, Bishikwabo, Nyiramugwera, Furaha, Chibalonza, Mwavita, Sifa, Nsimire, Tabu, Asha, Rehema, Djasmini
* not pictured
The client is the treasurer of the business association Ishara. She is a brave and indefatigable woman, an 40-year-old entrepreneur and the mother of 8 children who are all studying. She sells small goods (petrol, rice, sugar, Fanta, soap, salt, spices, etc.) on the side of a road leading to popular thoroughfares. Her husband sells tyres and windscreens.

She started her business with capital received from her husband and then got additional funds in the form of loans from IMF Hekima. The profits from her business are used to build savings and pay her children's food and education expenses. She has just received her 15th loan. Over time, this customer has seen her business prosper positively and, thanks to Hekima's loans, has managed to buy important household equipment for her family (pans, basin, thermos, etc.).

She will use the new loan to buy 5 cans of petrol, 100 kg of rice, 25 kg of sugar, 1 case of Fanta, soaps, salts, spaces, 3 cans of oil and various other products. She would like to see her children grow up comfortably, and she would like to give her husband a surprise present to remind him of the loans from the microfinance institution Hekima.

The customer thanks Hekima for its actions to empower women with lower incomes.
Note: some clients are holding their babies in the picture.
La cliente, trésorière de l’association d’affaire Ishara, Femme courageuse, infatigable, entrepreneur, âgée de 40 ans, mère de 8 enfants qui étudient tous. Elle est vendeuse des petits articles (Pétrole, Riz, sucres, Fanta, savons, sels, épices, etc.) au long de la rue donnant accès aux avenues populaires. Son mari est vendeur de pneus et pare-brises de véhicules. 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 15eme 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 équipements ménagers importants pour sa famille (casseroles, bassin, thermos, etc.). Ainsi, ce nouveau crédit doit lui servir de s’approvisionner avec 5 bidons de Pétrole, 100 kg de Riz, 25 kg de sucres,1 casier de Fanta, savons, sels, épices, 3 bidons d’huile et autres divers. En plus, elle souhaite voir ses enfants grandir confortablement et faire une surprise cadeau à son mari en lui payant une ’’ parcelle de souvenir résultant des crédits de l'IMF 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.

Additional Information

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
  • 4
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,423,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ishara Group's $4,650 loan helped a member to buy 5 cans of petrol, 100 kg of rice, 25 kg of sugar, 1 case of Fanta, soaps, salts, spaces, 3 cans of oil and various other products.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
May 1, 2012
May 11, 2012
Currency Exchange Loss:
Sep 15, 2012