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Lumiere Group
In this Group: Etita, Florida, Luhitso, Mwamini, Kakuru, Kimbayi, Naminani, Mateso, Safi, Kafuresea, Mazimuke, Mashitako, Wimubenyi, Nabashali, Namavu, Kachoka, Mateso, Siuzike, Yalala, Nsimire, Nyandwi
Florida, age 35, is an entrepreneur and married mother of seven children who all go to school. Her husband is a farmer.
Florida sells sugar cane. She started her business with a basic loan from the Hekima MFI, and this is her 12th loan cycle. She conducts her sales from her home, wholesale and retail.

This new loan will help her to buy one ton of sugar cane from the Rutshuru region. Her main challenge is the lack of political stability in the Rutshuru territory, which is under occupation by M23 rebels and other subversive elements.

She plans to buy a plot of land for her family and to help her children finish their studies.

Florida wishes to thank the Hekima MFI for helping impoverished women who do not have access to traditional banking channels.
Florida est entrepreneur, âgée d'environ 35 ans, mariée, mère de 7 enfants. Tous ses enfants étudient . Son mari est cultivateur. Elle vend des cannes à sucre. Elle commença son business avec le crédit de base de l’IMF Hekima. Elle est au 12 cycle de crédit. Elle installe ses produits à son domicile (vente en gros et détail). Ce nouveau crédit doit lui servir de s’approvisionner avec 1 tonne de canne à sucre en provenance du territoire de Rutshuru. Le défi majeur de ses affaires est dû à l’insécurité dans ce dit territoire qui est occupée par la rébellion de M23 et autres forces négatives. En plus, elle ambitionne acheter une parcelle pour sa famille et voir ses enfants finir les études. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes non bancables.

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 Lumiere Group's $5,450 loan helped a member to buy one ton of sugar cane.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Oct 19, 2012
Currency Exchange Loss:
Feb 15, 2013