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Joyeuse Mpya Group
In this Group: Luanda, Kavira, Cinama, Mwanvua, Mapendo, Kavira, Siuzike, Katembo, Sudi, Kahindo, Sifa, Kahindo, Busimwe, Martini, Kahambu
An ambitious and experienced entrepreneur, the client, Luanda, is an advisor in the Joyeuse Mpya loan group. She is 45 years old and lives alone (without a spouse). She is the mother of 3 children.

The client has been selling pagnes (traditional wrap arounds) for about 10 years. She sells her goods at the central market of Virunga. She started her business with money from her older brother.

Later on, she asked for a loan from IMF Hekima. She just completed 8 loan cycles in their microfinance program. This new loan will help her buy 8 pagnes. The client is comfortable with her business.

In the future, she would like to buy a piece of land where she can build a house. She would like to thank Hekima for their support and for the empowerment of female small business owners.
View original language description ↓
La cliente Luanda est conseillère dans le groupe de crédit Joyeuse Mpya, entrepreneur très ambitieux expérimentée. Agée de 45 ans. Elle est une femme vivant seul (sans conjoint). Mère de 3 enfants. La cliente est vendeuse de pagnes. Elle étale ses marchandises au marché central de Virunga. Elle commença son entreprise avec son fonds propre reçu de son grand frère. Plus tard, elle sollicita le soutien de l’IMF Hekima. Elle vient de realiser 8 cycles dans le programme de microcrédit de Hekima. Environs 10 ans, elle exerce cette activité. Ce nouveau crédit doit lui servir de s’approvisionner avec 8 pièces de pagnes à marchander. Cette cliente est confortable avec son business. Dans le futur, elle compte acheter une parcelle et construire une maison d'habitation. Ainsi, elle remercie Hekima pour son appui et autonomisation des petits entrepreneurs femmes.

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
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,640,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Joyeuse Mpya Group's $2,250 loan helped a member to buy 8 pagnes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 26, 2012
Jul 27, 2012
Currency Exchange Loss:
Nov 15, 2012