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Zihiyiruka Group
In this Group: Badera, Maramke , Maramke , Ciza , Furaha , Mateso , Furaha , Vumilia , Mangaza , Furaha , Habanawema , Mawazo , Nsimire , Nanfano , Salima, Sifa, Barhalibirhu , Mapendo , Ntakwinja, Furaha , Furaha , Bitondo , Furaha , Balaluka
Mrs. Badera, age 51, is the leader of Zihiyiruka Group. She's a widow and the mother of eight children, who all go to school. With this new loan from, she wants to buy one sack of secondhand clothing.

She's been running this business for more than 30 years. She started it just before her husband died. In the future, she wishes to expand her business and ensure her children can study in good conditions.

She thanks Kiva's partner, Hekima, for its support of women who are excluded from traditional banks, especially during this time of armed conflicts in the East of the Democratic Republic of Congo.
View original language description ↓
Madame BADERA est leader du groupe ZIHIYIRUKA, âgée de 51 ans. Elle est Veuve et mère de 8 enfants tous scolarisés. Avec le nouveau crédit de Hekima, elle veut acheter un sac des habits usagés. Dans l’avenir, elle souhaite élargir son entreprise, et faire étudier ses enfants dans des bonnes conditions. Il y a plus de 30 ans qu’elle exerce ce commerce. Elle avait commencé son commerce juste après la mort de son mari. Elle remercie Hekima pour le soutien accordé aux femmes non bancables surtout pendant ce moment des conflits armés à l'Est de la RDC.

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
  • 3
    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 Zihiyiruka Group's $3,175 loan helped a member to buy one sack of secondhand clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 18, 2013
Jan 17, 2014
Currency Exchange Loss:
May 17, 2014