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Joyeuse A Group
In this Group: Darcise, Alexandre, Claudine, Miriam, Florence, Rachel, Josephine, Feliciane, Muhindo, Musukali, Faida, Mubatsi, Georgine, Malemo, Sylvie, Kwiraviwe, Gode, Mutangi, Nzanzu, Nelly Kataki, Console, Shabani, Mbavumoja, Francine, Judite, Mastaki
Musukali is a good and honest merchant. For twelve years, she has been the vice-president and a member of a business collective called “Joyeuse A”. She is a senior entrepreneur, 50 years old, and a married other of seven children, of whom two are students, and five are married. She sells a variety of secondhand clothing and has a stall for her business at the market downtown.

Musukali is requesting a loan from Hekima to grow her business. She is going to purchase 3 bales of secondhand clothing. Her husband is unemployed. She started of with funds from her husband’s parents. For the future, she wishes to build a house and provide education and food for her children.

She thanks Hekima for having chosen a good goal bringing support to women entrepreneurs excluded from the traditional banking system while according them no-collateral loans.
View original language description ↓
Musukali est une brave commerçante depuis 12 ans, vice présidente et membre d’un collectif d’affaires «Joyeuse A», senior entrepreneur, âgée de 50 ans, mariée et mère de 7 enfants, dont 2 étudient et 5 sont mariés. Elle est vendeuse divers articles de friperie, elle étale son business dans le marché du centre ville. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 3 ballons de friperie. Son conjoint est sans emploi. Elle débuta avec de fonds reçu des parents de son mari. Dans l’avenir, elle souhaite construire une maison, scolariser et nourrir ses enfants. Elle remercie Hekima pour avoir bien choisi sa cible, en apportant un soutien aux femmes entrepreneurs exclues du système bancaire classique, tout en leur accordant des crédits sans garantie matérielle.

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 Joyeuse A Group's $8,100 loan helped a member to purchase 3 bales of used clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 21, 2014
Aug 17, 2014
Currency Exchange Loss:
Dec 17, 2014