A loan of $3,500 helped a member purchase of six suitcases, four female boubous, six blouses, six skirts, and ten Manzaza chains.

Nyota Group's story

Kahambu W. E. is the president of the loan group Nyota. Dressed in the black dress, she is raising her hand in the photo. She is a client on her 16th loan cycle, 34 years old, married, and mother of three children, all of whom attend school. Her husband is a small trader of various products. Kahambu W. E. sells diverse products like suitcases, small chain jewelry, dresses, blouses, pants, women's boubous (traditional clothing), skirts, shoes, etc. in her small shop. Sometimes family friends buy her products.
She began her business with her own funds from her husband. Her initial capital was $100. This allowed her to launch a business selling rice. A short time afterward, in collaboration with her husband, her business evolved into a small boutique. She has now done this work for 13 years.
With a loan from IMF Hekima, Kahambu W. E. wishes to increase her sales by purchasing six suitcases, four female boubous, six blouses, six skirts, and ten Manzaza chains. Kahambu's biggest challenge is that she still rents (at home and at her workplace). Thus, all of her business profits go to pay her rent, estimated at $20 per month. Sometimes, her lessor insists that she guarantee nine months' payment.
In the future, Kahambu W. E. plans to grow her business and leave the communal bank for a united group which offers many operational advantages in terms of increased credit, interest tax, and repayment deadlines. Moreover, in the near future, Kahambu wishes to buy a plot of land and, god willing, a car. In ten years, she intends to open a second boutique in the center of Goma. She plans on getting supplies from the world's large commercial centers, either in Dubai or in China.
Kahambu thanks the IMF Hekima for the loans she received without any material guarantee because, thanks to these loans, she has already equipped her house, she manages to meet her children's needs, and her business is prospering.
The Nyota group is made up of 16 members, the majority of whom are female.

In this group: Kabuo, Djati, Miruho, Kahambu, Kahambu, Misago, Kahindo, Kahambu, Kabuo, Katungu, Kavira, Kavira, Kakule, Kavira, Kavira, Mwanvua

Translated from French by Kiva volunteer Kelly Percival

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