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Twanzane Group
In this Group: Luvao, Kahanduka, Kitambala, Bauma
The borrower, named Luvao, is a single woman who lives alone. She is the representative of the Twanzane credit group and a very ambitious entrepreneur, who seizes business opportunities. She is also the mother of six children who all have degrees and have now established their own families.

Luvao is 53 years old. She started her business when she was young, using her own funds. For lack of means, she never attended school. She now sells empty shopping bags, buying her supplies in Kampala, Uganda. She has good business relationships with industrial companies such as Mkono, Polisac, Oska, Polipak etc., which supply her with her merchandise.

Luvao has a store in the city of Goma. Competition and a small capital are her major challenges for the development of her business.

Luvao will use this new loan to buy four bales of empty bags from a factory in Uganda.

In the future, she is planning to finish building her house, which is still under construction. She is extremely grateful for the support that the microfinance institution Hekima provides to small-scale entrepreneurs.
View original language description ↓
La cliente Luvao, femme vivant seule sans conjoint, conseillère du collectif de crédit Twanzane, entrepreneur très ambitieuse, qui saisie des opportunités d’affaires. Elle est mère de 6 enfants, qui ont tous leurs diplômes et qui ont déjà leurs propres foyers. La cliente est âgée de 53 ans. Elle commença son commerce dans sa jeunesse avec son fond propre. Cette cliente n’avait pas étudié faute de moyens. Elle est vendeuse de sacs vide (emballages). Elle se ravitailler en Ouganda/Kampala. Elle a des bonnes relations d’affaires avec les industriels tel que mkono, polisac, oska, polipak, etc., qui les fournissent ces marchandises. Elle a son magasin dans la ville de Goma. La concurrence, le faible capital, constituent des défis pour le développement de son entreprise. Ce nouveau prêt va lui servir d’acheter 4 ballons de sacs vides auprès l’usine en Ouganda. Dans le futur, elle compte achever son sa maison qui est en chantier de construction. Ainsi, elle bénit le projet de l'IMF Hekima pour son soutien aux petits entrepreneurs.

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
  • 12
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,396,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Twanzane Group's $5,700 loan helped a member to buy four bales of empty shopping bags from a supplying factory.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 7, 2013
May 9, 2013
Currency Exchange Loss:
Nov 17, 2013