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Ujumbe Group
In this Group: Zawadi, Ahadi, Tegera, Mbuyi, Riziki, Kashibondo, Chantal, Kahindo, Muhindo, Masika, Furaha, Zawadi, Kalikone, Kadirisha, Mukesha, Maombi, Walimwengu
Tegera is a young entrepreneur and leader of the business group "Ujumbe". She is 35 years old and mother of six young children, all of whom are still in primary school.

Tegera sells construction supplies. Her husband is a master mason. She keeps her goods in a warehouse. She has been selling goods for eight years now. During that time, she has gone through ten loan cycles with Hekima.

This new loan will allow her to stock up with 40 bags of cement, 30 iron bars, 12 containers of varnish, etc. In addition, she wants to expand her business and see her children grow up comfortably. She would like to thank Hekima for all that it does to help poor women excluded from traditional banking.
View original language description ↓
La cliente Tegera, leader du groupe d’affaire «Ujumbe », est jeune entrepreneur, âgée de 35 ans, mère de 6 jeunes enfants, qui étudient encore à l’école primaire. Elle est vendeuse de matériaux de construction. Son mari est constructeur maître maçon. Elle installe ses marchandises dans un dépôt. Il y a 8 ans révolus,elle exerce ces petites activités. Cependant, elle vient de réaliser 10 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 40 sacs de ciments, 30 bars de fers, 12 boites de vernis, etc. En plus, elle souhaite voir ses enfants grandir confortablement et agrandir son entreprise. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique.

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
  • 17
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,424,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ujumbe Group's $5,150 loan helped a member to buy 40 bags of cement, 30 iron bars, 12 containers of varnish, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 26, 2012
Oct 11, 2012
Currency Exchange Loss:
Feb 15, 2013