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Utulivu Group
In this Group: Marie, Magendo, Bernardine, Alexandrine, Valerie, Prascede, Bernadine, Solange, Odette, Joseph, Mbavumoja, Mapendo, Josephine, Rose, Cecile, Olerie, Mamie, Soko, Kale, Feza, Dorika, Jacqueline, Josephine, Kuzanwa, Odette, Colette, Nathalie, Marci, Furaha, Lambert, Sebuhinja, Jeanne, Ngusu, Kiswiri
This client, Jeanne, is the group leader of the loan group "Utulivu". An experienced entrepreneur, she is 53 years old and the mother of two children, who already have their own respective homes. Her husband is a vendor of tires. This client sells beverages (Fanta, cola, Primus, Vive water, juices, curdled milk). She started her business about seventeen years ago with her own funds from her husband. This new loan will be used to purchase beverages (15 cases of Fanta and cola, 20 cases of Primus, 10 boxes of Vive Rwenzori water, 8 boxes of 'maltis' juices, 2 containers of curdled milk, etc.) Thus, she would like to grow her enterprise, purchase a second plot of land, and educate and feed her grandchildren.

In conclusion, she thanks Hekima very much for its micro-credit support for small-scale entrepreneurs. It should be noted that this photo was taken in a tight location tucked away in a shantytown for safety purposes against criminals while the loan funds are being disbursed.
View original language description ↓
La cliente Jeanne est leader du groupe de crédit « Utulivu», entrepreneur expérimentée, âgée de 53 ans et mère de 2 enfants qui ont déjà leurs foyers respectifs. Son conjoint est un vendeur de pneus de véhicules. La cliente est vendeuse de boissons (Fanta, coca, Primus, l’eau Vive, jus, lait caillé). Elle installe ses produits à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari, Il y a environ 17 ans. Ce nouveau prêt va lui servir d’acheter boissons (15 casiers de Fanta & coca, 20 casiers de Primus, 10 cartons l’eau Vive Rwenzori, 8 cartons jus maltis, 2bidons lait caillé, etc.). Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses petits fils et acheter une seconde parcelle. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs.Il sied de signaler que cette photo fut prise dans un lieu étroitement caché dans un bidonville pour se sécuriser contre les criminelles lors des activités de décaissement de prêt.

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
  • 18
    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 Utulivu Group's $9,900 loan helped a member to purchase beverage (Fanta, cola, Primus, water, milk, etc.) to sell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jul 4, 2013
Jul 27, 2013
Currency Exchange Loss:
Nov 17, 2013