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Shangilieni Group
In this Group: Chikwanine , Badesire, Anna, Marie, Hamadi, Shukuru, Vumilia , Nabanyere, Legesa, Luanda, Nicole , Sandra, Furaha, Ndabugi, Feza, Tulinabo
Chikwanine C. C. is the president of the lending group Shangilieni.  (Her hand is raised in the photo.)  She is a 15th cycle client and is 45 years old, a widow, and the mother of seven children, who are all studying in écoles normales (post-secondary colleges).  Five years ago (in 2005), her husband died after a brief illness.  During these five years, she alone has been supporting her orphaned children.  This responsibility weighs heavily upon the rapid growth of her business. 

Her business is a mini hardware store displaying goods openly at the market in the Himbi Alanine sector.  She has been in this business for eight years.  She started her small business with her own funds received from her husband following his death.  The initial capital amounted to $200. But with her husband's death, she experienced such upheaval, and her work tumbled.

C., with the loan from the micro-finance institution Hekima, wishes to increase her sales by buying ten rolls of electrical wire valued at $500 and six dozen saws valued at $200.  She also sells Fanta and Primus beers out of her home in order to increase her income, to respond to minor emergencies, and to cover household necessities. 

In the future, C. plans to find an outlet for her hardware goods to display on the main boulevard of the Katindo line.  She can then be more competitive in this business and engender good business connections with the builders and major merchants of the city.  Later on, she wishes to construct a small shop at home to take care of her children and to maximize large profits in additional to those from the hardware store.

C. thanks the IMF Hekima for the loans she receives without the need for any collateral at all.  Thanks to these loans, she managed to build a 10-room house made of boards that she rents out.  The rental income from this house enables her to meet the needs of her children.

In addition, C. has found relief with ease and has gained financial stability, thanks to Hekima loans following her husband's death.  Currently, her business is advancing. 

The Shangilieni lending group is composed of sixteen members, most of whom are women.
View original language description ↓
Chikwanine C. C. est présidente du groupe de crédit Shangilieni, elle lève sa main sur la photo, cliente au 15e cycle, âgée de 45 ans, veuve, mère de 7 enfants et tous étudient dans des écoles normales . Il ya 5 ans que son mari est décedé (en 2005) suite à une courte maladie. Pendant ces 5 ans, elle supporte seule la charge de ses enfants orphelins. Cette charge pèse lourdement sur croissance rapide de son business.
Son business est une minu Quincaillèrie exposée sur étallage public du marché secteur de Himbi Alanine . Il y a 8 ans qu’elle exerce cette activité de muni Quincaillerie.
Elle a commencé son petit commerce avec son fonds propre reçu de son mari avant qu’il décède. son capital initial était de 200$, mais avec la mort de son mari, elle a connu une perturbation totale, et ses activites ont grandement chuté.
Avec le crédit de l’IMF Hekima, Chikwanine C. C. souhaite augmenter son chiffre d’affaire en achétant 10 roulot des fils électriques de valeur de 500$, 6 dizaines des Scies de valeur de 200$.
Chikwanine C. C. vend également des Fanta, bièrres Primus à son domicile pour accroitre son revenu et repondre aux petites urgences et nécessités de menage.
Dans l’avenir, elle planifie de chercher un dépôt d’exposition de ses produits de quincaillèrie sur le boulevard principal de l’axe Katindo, enfin d’etre plus competitive dans ce business et se créer des bonnes relations d’affaires avec les constructeurs et grands commerçants de la ville.
Et plus tard construire une petite boutique pour encadrer ses enfants à la maison et maximiser des grands bénéfices additionnels en dehors de ses activités de quincaillèrie.
Chikwanine C. C. rémércie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grace à ces crédits, elle a parvenu à construire une maison en planche de 10 chambres, qu’elle met à location. Les recettes de loyer de cette maison lui permet de subvenir aux besoins de ses enfants.
En plus, Chikwanine C. C. a aisement retrouvé le soulagement et l’équilibre économique grace aux crédits de Hekima, après la mort de son mari.Actuellement son business evolue positivement. Le groupe de crédit Shangilieni est composé de 16 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
  • 2
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,515,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Shangilieni Group's $5,000 loan helped a member ten rolls of electrical wire and six dozen saws.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 13, 2010
Apr 16, 2010
Currency Exchange Loss:
Sep 15, 2010