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Merveille A Group
In this Group: Christine, Mwilare, Runiga, Cecile
Cecile, age 45, is a brave merchant and member of the business group “Merveille A”. She is an experienced and enthusiastic entrepreneur, and the married mother of 5 children who all go to school. Her husband is a driver.

Cecile sells drinks. She displays her stock at a warehouse in the commercial sector of the city. She started her business with capital from savings on her income. She later turned to the Hekima MFI for financial assistance. She has been practicing this activity for 4 years.

Cecile will use this new loan to buy 30 cases of Fanta, 50 cases of Primus beer, 10 cases of Miitzig beer, etc. Her goals are to build a house and to look after her children’s needs with respect to food and education.

Cecile wishes to thank the Hekima MFI for helping small entrepreneurs to become self-sufficient who cannot use the traditional banking system, especially in these difficult times following the war in the Eastern region.
La cliente Cecile est une brave commerçante et membre du collectif d’affaires « Merveille A», senior entrepreneur, dynamique, âgée de 45 ans, mariée et mère de 5 enfants, qui tous étudient. La cliente est vendeuse de boissons. Elle étale sa marchandise dans un dépôt du quartier commercial de la ville. Elle commença ses affaires avec le premier capital reçu de ses épargnes de son salaire. Plus tard, il bénéficia le prêt de l’IMF Hekima. Il y a 4 ans qu’elle exerce cette activité. Son conjoint est un chauffeur. Ce nouveau prêt va la servir d’acheter 30 caisses de Fanta sucré, 50 caisses de bière Primus, 10 caisses de Miitzing, etc. Ainsi, elle souhaite construire maison, scolariser et nourrir ses enfants. Au finish, elle remercie fortement Hekima pour l’autonomisation des petits et petits entrepreneurs exclus du système bancaire classique, surtout ; pendant ce moment difficile post conflits dans la région de l’Est du pays.

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
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,640,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Merveille A Group's $8,600 loan helped a member to buy 30 cases of Fanta, 50 cases of Primus beer, 10 cases of Miitzig beer, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 25, 2014
Currency Exchange Loss:
Sep 17, 2014