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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
The client (raising her hand in the photo) is the leader of the credit association Alleluya. She is on her fourth loan cycle. She is 41 years old and the mother of 8 children who all attend school. Her husband is a university student.

She started her small retail business using her own funds. Later on, she joined the microfinance institution Hekima and its micro-credit program. She regularly displays her various goods at a small market located in her neighborhood, and locally known as the Trois paillotes - Axe Katindo market.

With this loan, Amani will buy 10 crates of Fanta, some flour, Omo soap detergent, oil etc.

She also sells oil (petroleum) from home to supplement her income.

She says that she would like to receive additional credit in order to increase her turnover and build a house for her family.

She thanks the microfinance institution Hekima for granting her loans without requesting any material collateral. It is indeed thanks to these loans that she has been able to buy kitchen utensils and to take care of her family's needs, and that her children can study comfortably.
La cliente, représente et secrétaire du groupe de crédit Alleluya , qui lève la main sur la photo, âgée de 41 ans, mère de 8 enfant qui vont tous à l’école (d'autres a l’université). Son mari est fait aussi de petit commerce. Elle a commencé son petit commerce de divers avec son fond propre. Plus tard, elle a adhéré dans le programme de microcrédit de l’IMF Hekima. Elle s’installe régulièrement dans le petit marché du quartier localement surnommé Trois paillotes - Axe Katindo où elle vend ses produits divers. Avec ce nouveau crédit, elle va acheter 10 casiers de Fanta, farine, savon de lessive Omo, huile , etc. Elle vend également du pétrole à domicile pour augmenter ses revenus. Dit elle, elle souhaite obtenir plus des crédits pour accroître son chiffre d’affaire et construire une maison pour sa famille. Elle remercie l’IMF Hekima pour les crédits qu’elle reçoit régulièrement sans aucune garantie matérielle car grâce à ces crédits, elle se payait des ustensiles de cuisine et subvenir aux besoins de sa famille, et ses enfants étudient confortablement.

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
  • 44
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,989,850
    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 10 crates of Fanta, some flour, Omo laundry soap, oil etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 17, 2012
Jun 18, 2012
Currency Exchange Loss:
Oct 15, 2012