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Bénédiction Group
In this Group: Chiza, Kaligerha, Therese, Muulwa, Mukene, Kizito, Bulenda, Nzigire, Balibonera, Mwishuko, Birhwa, Furaha, Tchakupewa, Baguma, Namukara, Rwandoha, Habuhazi, Mporagne, Ntakwinja, Bayongwa
The borrower, Ntakwinia, works in retail and is the member of a business group named "Bénédiction". She is 41 years old, married, and the mother of eight children, six of whom are in school (the other two are still very young). Ntakwinia has been selling used items, particularly women's handbags, for the past five years. She displays her merchandise at a lively local market. She is requesting a loan from Hekima in order to expand her business and she will buy one bale of handbags.

Ntakwinia started her business with some money received from Hekima. Her husband also works in retail. In the future, she would like to buy a plot of land, educate, clothe and feed her children. She thanks Hekima for its support to women entrepreneurs excluded from the traditional banking system.
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La cliente Ntakwinja est une commerçante et membre d’une plate forme d’affaires «Bénédiction», âgée de 41 ans, mariée et mère des 8 enfants dont 6 étudient et 2 autres sont encore gosses. Elle est vendeuse de friperie (Sacs à mains dames) depuis 5 ans. Elle installe ses marchandises dans un marché animé de la place. Elle sollicite un crédit auprès de Hekima pour accroitre son entreprise. Elle démarra ses activités par de fonds reçu de Hekima. Son conjoint, lui aussi est commerçant. Elle va acheter 1 ballon de sacs à mains. Dans l’avenir, elle souhaite acheter une parcelle, scolariser, vêtir et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique.

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
  • 44
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,989,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Bénédiction Group's $5,700 loan helped a member to buy one bale of handbags.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 17, 2014
Apr 18, 2014
Currency Exchange Loss:
Aug 17, 2014