A loan of $4,700 helped a member 36 cases of Fanta and Primus.

Umoja Kibabi Group's story

Baseme B. Apoline is president of the loan group Umoja Kibabi. In the white blouse, raising her hand in the photo, she is a client on her 14th loan cycle; she is 36 years old, married and the mother of five children, all studying well. Her husband is unemployed. In addition to her own children, four other children are also living with her from her extended family (cousin, nephew, neighbor in the village).

Baseme B. Apoline sells drinks (Primus and Mutzig beer, Fanta sodas, etc.). She displays her products in front of friends' and acquaintances' shops (on the street, the Signers roundabout) and sells wholesale; she occasionally sells retail from her home. She began her small business with her own money, which she received from her father-in-law as a gift. Her initial capital investment was twenty dollars, which is equivalent to two cases of Primus beer. She has been in business for sixteen years. With the loan from the microfinance institution Hekima, Baseme B. Apoline would like to increase her sales by buying 36 cases of Fanta.

Baseme B. Apoline's greatest challenge is that people sometimes drink on credit, with the risk of paying her back late. Others buy, but do not return the empty bottles. Despite all this, Baseme B. Apoline makes her maximum profit; she is comfortable with her business.

Baseme B. Apoline thanks the microfinance institution Hekima for the permanent loans which she is receiving with no material collateral. Thanks to these loans, she is able to meet her family's needs, she says.

The Umoja Kibabi group is comprised of twenty members, the majority of which are women.

In this group: Abwasi, Munyengelwa, Kahundu, Mikabule, Shauri, Ntakwinja, Hamuli, Nzigire, Nyanvura, Ntibazi, Basikungoma, Mirimo, Nabwikabire, M'muderwa, Hamuli, Baseme, Nzigire, Atuna, Furaha, Sifa

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Translated from French by Kiva volunteer Robin Clochard

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