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Manne Du Ciel Group
In this Group: Kamwanga, Lubingo, Nyanchira
Nyanchira, the featured borrower, is a dynamic entrepreneur who is about 48 years old, married, and the mother of six children. She is also the guardian of several other children. All her children attend school. Her husband sells suitcases.

Nyanchira sells various grocery products and has been involved in this type of commercial activity for the past fifteen years or so. She started her business using a small capital received from her husband. Later on, she joined Hekima's basic community bank program. Today, she is a member of the very small solidarity group "Manne du ciel" which provides slightly higher loan amounts and a longer repayment term.

She will use this new loan to buy two crates of Fanta, two barrels of oil, some soap, Primus (beer), rice etc.

Nyanchira wants to see her children grow up. She would also like to increase the size of her business and build a small shopping center. She thanks Hekima for empowering low-income women excluded from the traditional banking system.
View original language description ↓
La cliente Nyanchira, est un entrepreneur dynamique, âgée d’environ 48 ans, mariée, mère de 6 enfants et plusieurs autres enfants sous tutelle, qui étudient tous. Son mari est un vendeur de valise. Quant à la cliente, elle fait le commerce général. Environs 15 ans, elle exerce ces petites activités économiques. Elle commença avec un faible capital reçu de son mari, plus tard, elle adhéra dans un groupe élémentaire dit banque communautaire de Hekima. Aujourd’hui, elle est intégrée dans le groupe d’affaire très restreint dit « Manne du ciel », qui bénéficie de montant de crédit un peu plus significatif avec une large échéance. Ce nouveau prêt doit lui servir de s’approvisionner avec 2 casiers de Fanta, 2 fus d’huile, les savons, Primus, riz, etc. En plus, elle souhaite voir ses enfants grandir, accroitre son unité d’exploitation et construire une galerie commerciale. La cliente remercie Hekima pour ses actions d’autonomisation en faveur de pauvres femmes exclues de banque classique.

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.)

  • $119
    Average annual income
  • 4
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $10,517,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Manne Du Ciel Group's $4,500 loan helped a member to buy two crates of Fanta, two barrels of oil, some soap, Primus (beer), rice etc...
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 23, 2012
Listed
Nov 6, 2012
Currency Exchange Loss:
N/A
Ended:
May 17, 2013