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Bénédiction Group
In this Group: Chiza, Kaligerha, Sanganya, Therese, Munyakera, Mpozembizi, Muulwa, Mukene, Kizito, Bulenda, Nzigire, Balibonera, Mwishuko, Birhwa, Furaha, Tchakupewa, Namukara, Rwandoha, Habuhazi, Mporagne, Ntakwinja, Bayongwa, Muhindo, Musafiri, Kanyamuhanga, Maombi, Sanvura, Malisawa, Balume, Mchama, Balingene, Assum, Maruteke, Bakera, Ndegejeho
This client, Balibonera, is the advisor of the business collective "Bénédiction". A young experience woman entrepreneur, she is 30 years old, married, and the mother of five children, all in school. Her husband is a nurse. This client is an associate in a pharmacy. She is assisted in this enterprise by her husband. She started this work with her own funds received from her husband about four years ago.

This new loan will be used to purchase essential medicines (paracétamol, anti-biotics, anti-inflammatories, deworming drugs, ointments, syringes, etc.) Some obstacles for her enterprise include taxes and administrative red tape.

Thus, she would like to grow her business, providing schooling and food for her children, and build a house. In closing, she thanks Hekima very much for its micro-credit support for small-scale entrepreneurs. It should be noted that certain clients in the photo are holding their babies.
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La cliente Balibonera est conseillère du collectif d’affaire «Bénédiction», jeune femme entrepreneur expérimentée, âgée de 30 ans, mariée et mère de 5 enfants qui étudient tous. Son conjoint est un infirmier. La cliente est sociétaire d’une officine pharmaceutique. Elle s’entraide dans cette entreprise avec son mari. Elle commença ses affaires avec son fonds propre reçu de son mari, Il y a environ 4 ans. Ce nouveau prêt va lui servir d’acheter les médicaments essentiels (paracétamol, anti biotiques, anti inflammatoires, vermifuges, pommades, seringues, etc.). Les taxes et tracasseries administratives sont des obstacles pour son entreprise. Ainsi, elle souhaite accroitre son activité, scolariser, nourrir ses enfants et construire une maison. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs. Il sied de signaler que certaines clientes détiennent leurs bébés.

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.

Tags

About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 17
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,440,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Bénédiction Group's $5,725 loan helped a member to purchase essential medicines (paracétamol, anti-biotics, anti-inflammatories, deworming drugs, ointments, syringes, etc.).
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 1, 2013
Listed
Jul 22, 2013
Currency Exchange Loss:
N/A
Ended:
Nov 17, 2013