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Institut Musawato Group
In this Group: Marembo, Mihanda, Mushugu, Bukama, Bilemba, Mwemedi, Musongi, Shugushu, Matchiray, Mubake, Ebu'ela, Mubake, Buhendwa, Bugendabanga, Mcucwa, M'mbae
This client, Bukama, is the leader of the business collective of teachers from the Musawato Institute. He is the father of five children, who are students. His wife is also a teacher at a nursery school. Bukama makes a living from his work and is comfortable with his career, even though the salary is meager.

The new loan he is receiving from the microfinance institution Hekima is going to be used to finish construction on his house and to purchase new furnishings (chairs, armoire, appliances, etc.) for it. Thus, he would like to renew his loan soon and launch house-building plans for his renters. In conclusion, he thanks Hekima very much for its micro-credit support for teachers.
View original language description ↓
Le client Bukama est leader du collectif d’affaire des enseignants de « l’institut Musawato» et père de 5 enfants qui étudient. Son épouse est aussi enseignante dans une école maternelle (gardienne). Le client vit de son travail et il est confortable de sa carrière, bien que le salaire soit maigre. Le nouveau prêt qu’il bénéficie de l’IMF Hekima, va lui servir dans son projet d’habitat (achever son chantier) et d’acheter un nouvel équipement de sa maison (chaises, armoire, appareils électroménagers, etc.). Ainsi,elle souhaite renouveler son prêt prochainement et lancer le projet de construction de maison pour ses locataires. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux enseignants.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 6
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,635,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Institut Musawato Group's $9,100 loan helped a member to finish building his house and to purchase new furnishings (chairs, armoire, appliances, etc.) for it.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 8, 2013
Currency Exchange Loss:
Jun 17, 2014