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Umoja Ni Nguvu Ii Group
In this Group: Muleherwa, Regi Vasco, Mpanga, Simbira, Masugamuhanya, Mutuhya, Shamamba, Bashangwa, Mugisho, Kabaraka, Sabuni, Sakali, Mawilondja, Fredina, Mawazo, M'nushiga, Bonishomere, Mamisa, Mado
Muleherwa, age 61, is a brave merchant and a member of Umoja Ni Nguvu II Group. She's an energetic senior entrepreneur and the mother of nine children. Eight are married, and one is still studying.

She sells food products. She sets up her products at her home, in front of her fence, where she managed to earn a clientele.

She started her business with a first capital that she received from her husband, an agent for a local airline. Later on, she obtained a loan from Kiva's partner, the MFI Hekima.

She's been running this business for thirty years. This new loan will be used to buy two sacks of charcoal, 20 liters of palm oil, half a basket of tomatoes, and spices. She wishes to build a home, feed her child, and ensure he can go to school.

In the end, she strongly thanks Hekima for its contribution to making women entrepreneurs who are excluded from traditional banks self-supporting, especially at this critical post-war time in the East of the country.
View original language description ↓
La cliente Muleherwa est une brave commerçante et membre du groupe d’affaires « Umoja ni nguvu II », senior entrepreneur, dynamique, âgée de 61 ans et mère de 9 enfants dont 8 sont mariés et 1 qui continue à étudier. La cliente est une vendeuse des denrées alimentaires. Elle installe sa marchandise à son domicile devant son enclos, où, elle a su gagner sa clientèle. Elle commença ses affaires avec le premier capital reçu de son mari. So conjoint est un fonctionnaire dans une compagnie aérienne de la place. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 30 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 2 sacs de braises, 20 litres d’huile de palme, ½ panier de tomates et les épices. Ainsi, elle souhaite construire une maison, scolariser et nourrir son enfant. En définitif, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout; pendant, ce moment critique post conflit à l’Est du pays.

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
  • 4
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,396,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Umoja Ni Nguvu Ii Group's $1,800 loan helped a member to buy two sacks of charcoal, 20 liters of palm oil, half a basket of tomatoes, and spices.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 14, 2014
Jan 22, 2014
Currency Exchange Loss:
Jun 17, 2014