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Usikilivu A Group
In this Group: Mangaribi, Katswiri, Kampire, Tabazi
Hekima client Mangaribi has been a hard-working merchant for twenty years and is a member of a loan group called «Usikilivu A». Aged 40, she is married and the mother of eight children who all attend school. She sells various items in her general store and offers a range of drinks. Her business is located in a shop in a market on the outskirts (of town).

Mangaribi is asking for a loan from Hekima to grow her business. She is going to buy sacks of sugar, boxes of batteries, oil, cartons of soap, tinned milk, Primus and Heineken (beers), etc. Her husband is also a small-scale merchant. In the beginning, she got some money from her husband (to start up her business). She hopes to grow her working capital, keep her kids in school, and insure that they have healthcare. Mangaribi thanks Hekima for its efforts to help women entrepreneurs who are excluded from the commercial banking system by lending to them without collateral.
View original language description ↓
La Cliente Mangaribi est une vaillante commerçante depuis 20 ans et membre d’une plate forme d’Affaires «Usikilivu A» âgée de 40 ans, mariée et mère de 8 enfants qui étudient tous. Elle est vendeuse de divers articles de boutique et une gamme de boissons. Elle installe ses business dans un magasin du marché de la périphérie. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter sacs de sucre, boites de piles, huiles, cartons de savons, lait en boite, Primus, Heineken, etc. Son conjoint, lui aussi, est commerçant. Au début, elle avait reçu de fonds de son mari. Elle souhaite accroitre son capital, scolariser et assurer les soins médicaux de ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs en leur accordant de crédits sans garantie matérielle et qui sont exclues du système bancaire classique.

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
  • $12,423,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Usikilivu A Group's $7,500 loan helped a member to buy sacks of sugar, boxes of batteries, oil, cartons of soap, tinned milk, and Primus and Heineken (two kinds of beer), etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 17, 2014
Feb 28, 2014
Currency Exchange Loss:
Sep 17, 2014