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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
The borrower, a member of the "Bonheur" (happiness) credit association is a highly ambitious entrepreneur. She is 43 years old, a woman living alone (without her husband), yet a mother of 3 young children who all attend school. She is a seller of foodstuffs. Her husband died unexpectedly after a short illness.
She offers her products in small markets, from her home and occasionally also along the streets leading to the main avenues. She began her business with the sale of fish (Mikeke) from Uvira, and she did this with her own capital gathered from her friends. Then, later on she received additional funds in the form of a $50 loan from the Hekima micro-finance institution. She has been undertaking small income-generating activities like these for the last 2 years now. However, she has just fulfilled three successive loans, benefiting from the microcredit program offered by Hekima.
The insecurity in the interior of the region constitutes a threat for the development of her business. This new loan will allow her to purchase 50kg of rice, 50kg of sugar, plus fish, soap, etc. The remainder of the money will be used to fund the children's schooling. Furthermore, she hopes to see the children grow up, and buy a house and a car. The borrower thanks Hekima for their focus on poor women and offering them economic and financial emancipation. It should be noted that some group members are holding their babies.
View original language description ↓
La cliente, membre de l’association de crédit « Bonheur », est un entrepreneur très ambitieux, âgée de 43 ans, femme vivant seule(sans mari), mais mère de 3 jeunes enfants qui étudient tous. Elle est vendeuse des denrées alimentaires. Son mari est inopinément décédé suite à une courte maladie. Elle installe ses marchandises dans des petits marchés, à son domicile et parfois sur le long de la rue donnant axer aux avenues. Elle commença son business par la vente de poissons (Mikeke) à provenance d’Uvira, et cela, avec son fonds propre reçu de ses amis. Alors, plus tard elle bénéficia un fond additionnel de crédit de 50$ de l’IMF Hekima. Il y a 2 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 3 cycles en profitant du programme de microcrédit de l’IMF Hekima. L’insécurité dans l’intérieur de la province constitue une menace pour le développement de ses activités. Ce nouveau crédit doit lui servir de s’approvisionner avec 50 kg de riz, 50 kg de sucres, poissons, savons, etc., et le reste d’argent sera affecté dans la scolarité des enfants. En plus, elle souhaite voir ses enfants grandir, acheter une maison, une voiture. La cliente remercie Hekima pour ses actions dédiées de pauvres femmes pour leur émancipation économique et financière. Il sied se signaler que certaines clientes portent 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.)

  • $700
    Average annual income
  • 6
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,635,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Anonymous Group's $2,850 loan helped a member to purchase 50kg of rice, 50kg of sugar, plus fish, soap, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 15, 2012
Listed
Jun 4, 2012
Currency Exchange Loss:
N/A
Ended:
Oct 15, 2012