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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
* not pictured
The client is a dynamic entrepreneur and the leader of the business group Ufalme. She is 43 years old, married and the mother of 9 children, 2 of whom have their own households and 7 of whom go to school. Her spouse is a civil servant employed by the public administration.

She sells local juice commonly known as "Madrakwa". She has been in this line of work for many years. She has completed 11 loan cycles, regularly reinforcing her capital with credit from the IMF Hekima. Her family lives on the earnings generated by her business, especially as the State's civil servants are not paid on a regular basis, and when they are paid, they receive a very small salary which does not enable them to cover the month's expenditures, let alone build savings. This new loan will be used to buy new ingredients (raw materials) used to make Madrakwa juice (5 sacs of corn, 50 kg of millet, 50kg of flour, 50kg of sorghum, firewood, etc.). She also aims to sustain her business and to ensure her children get a proper education.

The customer would like to thank Hekima for its actions in aid of impoverished women excluded from regular bank lending channels.

Note: one of the customers is carrying a baby on her back.
La cliente est entrepreneur dynamique, leader du groupe d’affaire Ufalme, âgée de 43 ans, mariée, mère de 9 enfants parmi les quels, deux ont leurs propres foyers et sept vont à l’école. Son conjoint est un fonctionnaire dans l’administration publique. La cliente est vendeuse de jus local communément appelé Madrakwa. Il ya plusieurs années qu’elle exerce cette activité. Elle vient de faire 11 cycles en bénéficiant régulièrement le crédit de l’IMF Hekima, pour renforcer son capital. Dit-elle que sa famille de la cliente vit de cette activité d’autant plus que les fonctionnaires de l’Etat congolais ne sont pas régulièrement payés et quand ils sont payés, ils reçoivent de rémunération très médiocre qui ne leurs permet pas de couvrir l’ensemble de tout le mois ni de faire une épargne. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux intra (matières premières) pour la fabrication de ce jus mandrakwa (5 sacs maïs, 50 kg millet, 50 kg farine, 50 kg sorgho, bois de chauffage, etc.). En plus, elle ambitionne pérenniser son entreprise et scolariser dignement ses enfants. La cliente remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes exclues de banque classique.Il sied de signaler que, l’une des clientes porte un bébé au dos.

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
  • 14
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,268,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Anonymous Group's $3,250 loan helped a member to buy 5 sacs of corn, 50 kg of millet, 50kg of flour, 50kg of sorghum, firewood, etc.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 11, 2012
Listed
Jun 6, 2012
Currency Exchange Loss:
N/A
Ended:
Oct 15, 2012