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Tuliya Group
In this Group: Antoinnette, Jeannette, Jolie, Nakinya, Furaha, Jushm, Kissa, Vinovyangike, Roseline, Bwami, Zihalirwa, Nsamamba, Lubaye, Semanywa, Lubaye, Bitana, Baeni, Bahunga, Juliene, Kanyere, Kashira, Karami, Muhima, Mbavu Moja, Nyamulemu, Seruhondo, Bushu, Kibama, Maroyi, Mudekeremu, Mudekereza, Nyamalia, Byuma, Mushalirwa, Maliro
This client, Zihalirwa, is a merchant with ten years of experience. She is 41 years old and a mother of ten children, of whom six are students, and four others are still very young. This client is a member of the business collective "Tuliya". She sells secondhand clothing. She sets up her merchandise at the town's busy market.

Zihalirwa is requesting a loan from Hekima to grow her business. She is going to purchase a bale of secondhand clothing. Her husband is a furniture technician (carpentry). She had started her business with funds from her husband. For the future, she would like to increase her loan and provide education and food for her children.

She thanks Hekima for its support of unbanked women entrepreneurs by according them microloans during this time post-conflict in the country's east. It should be noted that a few clients are carrying their babies.
View original language description ↓
La Cliente Zihalirwa est une commerçante d’une expérience de 10 ans, âgée de 41 ans et mère de 10 enfants dont 6 étudient et 4 autres sont encore gosses. La cliente est membre d’un collectif d’Affaires « Tuliya». Elle est vendeuse de friperie. Elle installe ses marchandises dans le marché animé de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 1 ballon de friperie. Son conjoint est un technicien des meubles (Menuisier). Elle démarra ses affaires avec le fonds reçu de son mari. Dans l’avenir, elle souhaite accroitre son crédit, scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables en leur accordant de microcrédit, pendant, ce moment poste conflits dans la région de l’Est du pays. Il sied de signaler quelques clientes portent 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.

About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 7
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,618,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Tuliya Group's $3,350 loan helped a member to purchase a bale of secondhand clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 19, 2013
Dec 27, 2013
Currency Exchange Loss:
May 17, 2014