A loan of $2,400 helped a member two baskets of smoked fish, six loads of salted fish, and thirty fresh fish .

Neema Group's story

Riziki C. is the president of the loan group Neema.  (In the photos, she is the one with her hand raised and a bright smile.)  She is a 10th cycle client who is 35 years old, married, and the mother of seven children. Of these seven children, four are studying, one remains in the village, and two other children are not studying, since they are not yet of school age.  Her husband is a bus driver (intercity). 

Riziki started her small business with her own funds received from her husband.  Her initial capital amounted to $50.  Her business involves selling fish (smoked, salted, or fresh) in the small market in the TMK district.  She has been in this business of selling fish for ten years. 

With the loan from the micro-finance institution Hekima, she wishes to increase her sales by buying two baskets of smoked fish called "moshi", six loads of salted fish called "makayabo", and thirty fresh fish called "mbichi mbichi".  She also has a small practice as a traditional healer (who administers care based on medicinal plants), and she braids hair to increase her income. 

In the future, Riziki would prefer to switch from selling fish, since she has sometimes experienced losses from rotten fish due to the lack of cold storage for keeping her goods and sometimes due to the lack electricity for the refrigerator.  She remains optimistic by emphasizing that, to switch businesses, she needs 2,000 in capital, which she plans on having one day. 

Riziki expresses her thanks to the MFI Hekima for the loans she receives with no need for any collateral at all because, thanks to these loans, she is managing to provide for her children.

This group, Neema, is composed of seven members, most of whom are women. 

In this group: Riziki, Masika, Shombo , Ziana, Kyakimwa, Kabuo, Masika
*not pictured

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Translated from French by Kiva volunteer Daniel Kuey

Loan details

Lenders and lending teams

Loan details