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Arche De Noe Group
In this Group: Kavira, Kavira, Helene, Bunzuki, Sakina, Bernadette, Muhima, Kavira, Mabalon, Kavugho, Mupenzi, Kavira, Furaha, Fitina, Bavure, Bwira, Murasi, Kwenda, Amana, Chibalonza, Katungu, Bitangalwa, Hadidja, Kalonda, Bembeleza, Kawara, Vumilia, Feza
This client, Bernadette, is the advisor of the loan group. She is also a teacher in a government-regulated Catholic school. An energetic woman, very ambitious, a self-made entrepreneur, and 34 years old, she sells cell phone minutes. She and her husband assist each other in this business, since he lost his job recently. Bernadette started her business with her meager teacher's salary.

Later on, she was informed of micro-loans, which the microfinance institution Hekima grants. She benefited from her first loan for bolstering her business. The profits from her business go toward savings, food, and covering her children's schooling costs. However, she just completed twelve cycles in the Hekima program. Despite the challenges and meager capital, this client is prospering progressively.

So this new loan must serve to supply her with 250 phone minutes cards (Vodacom, MTN, Air tel, CCT). In addition, she wishes to see her children grow up and to buy a plot of land.

This client thanks Hekima for its actions helping poor women excluded from traditional banks to become autonomous. It is appropriate to note that some clients are holding their babies.
View original language description ↓
La cliente Bernadette est conseillère du groupe de crédit , elle est aussi enseignante dans une école conventionnée catholique, femme dynamique, très ambitieuse, entrepreneur autodidacte, âgée de 34 ans. Elle est vendeuse des unités cellulaires. Elle s’entraide avec son mari dans cette affaire, ce dernier ayant perdu dernièrement son emploi. La cliente a commencé son business par son maigre salaire d’enseignant. Plus tard elle fut informée de micro crédit qu’octroi l'IMF Hekima, elle bénéficia son premier crédit de pour renforcer ses affaires. Les bénéfices de son activité servent d’épargne, d’alimentation et d’appui à la scolarité de ses enfants. Cependant, elle vient de réaliser 12 cycles dans le programme de Hekima. Malgré les défis, le maigre capital ; la cliente prospère progressivement. Ainsi, ce nouveau crédit doit lui servir de s’approvisionner avec 250 cartes d’unités cellulaires (Vodacom, MTN, Air tel, CCT). En plus, elle souhaite voir ses enfants grandir et acheter une parcelle. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes exclues de banque classique. 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
  • 20
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,441,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Arche De Noe Group's $4,400 loan helped a member to buy 250 cell phone minutes cards (Vodacom, MTN, Air tel, CCT).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 15, 2012
Currency Exchange Loss:
Jan 15, 2013