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Tuongozane Group
In this Group: Cecile, Tshimpaye , Katungu , Kangesa, Masika , Mwadji, Katsuva , Kanyere , Pendano , Kavira , Vianey , Zihindula, Namegabe , Balezi , Siuzike , Okoka, Mukombwa, Barha, Sango , Matata
Mwadji M. is president of the Tuongozane credit loan group (she is seen raising her hand on the picture). She is in her 13th credit loan cycle, is 50 years old and the mother of eight children, of whom three study in an auto mechanics training centre, two in the standard school system, two stay in the village and work in the fields, and one does not attend school. Her husband runs a small business.

She began her own business with funds received from her husband. With this starting capital she purchased a container of palm oil worth $12.

Her business is retailing palm oil at the central market in Virunga, which she has done for the past eight years. With the loan from the Hekima MFI Mwadji M. wants to increase her turnover by purchasing 24 containers of palm oil and 30 pairs of plastic sandals. She also sells plastic sandals locally called “bodaboda” or “soza” to increase her income.

For the future, she plans to change activities and go into general commerce, getting her supplies from Kampala in Uganda. Eventually, she wants to build a comfortable home.

Mwadji M. thanks the Hekima MFI for the loans she has received although she had no collateral, because they enabled her to meet her children’s needs. What’s more, she was separated for quite some time from her children due to the war in the Democratic Republic of Congo (DRC), and the Hekima loans allowed her to pay for her children’s plane fare from Buyimayi to Goma.
View original language description ↓
Mwadji M. est présidente du groupe de crédit Tuongozane, elle lève sa main sur la photo, cliente au 13e cycle, âgée de 50 ans, mariée, mère de 8 enfants parmi lesquels 3 étudient dans un centre de formation professionnelle en mécanique auto et 2 font l’école normale, et 2 autres restent au village et font les travaux des champs, 1 enfant n’etudie pas . Son mari exerce le petit commerce.
Elle a commencé son petit commerce avec son fonds propre reçu de son mari. Ce capital lui a permis d’acheter un bidon d’huile d’une valeur de 12$. Son business est de vendre l’huile de palme dans le marché cental de Virunga . Il y a 8 ans qu’elle exerce cet activité de vente d’huile de palme.
Avec le crédit de l’IMF Hekima, Mwadji M. souhaite augmenter son chiffre d’affaire en achétant 24 bidons d’huile de palme et 30 paires des souliers en plastic.
Mwadji M. vend également des souliers en plastic localement appelle Bodaboda ou soza pour accroitre son revenu.
Dans l’avenir, elle planifie de changer l’activite et faire le commerce général et s’approvisionner en Ouganda- Kampale.
Et plus tard construire confortablement sa maison.
Mwadji M. rémércie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grace à ces crédits, elle parvient à subvenir aux besoins de ses enfants
En plus, Mwadji M. est restée longtemps loin de ses enfants suite à la guerre en RDCongo, grace au credit de l’IMF Hekima, elle a aisement payé le transport d’avion de ses enfants de Buyimayi jusqu’à Goma.
Ce groupe Tuongozane est composé de 20 membres majoritairement femmes.

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
  • 5
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,396,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Tuongozane Group's $4,900 loan helped a member 24 containers of palm oil and 30 pairs of plastic sandals.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 6, 2010
Apr 8, 2010
Currency Exchange Loss:
Sep 15, 2010