Baraka Office Group
Ekanga L. lives in the Murara neighborhood, township of Karisimbi, and she has a charcoal depot in the Birere district. Moreover, in order to maximize her income, she also sells palm oil wholesale in the market of KIBABI. Ekanga L. began her business with her own funds around 2002, before the eruption of the Nyiragongo volcano, which completely destroyed the economic life of the town of Goma. She was selling fritters with a working capital of $12.50. And all this after her husband's death.
In view of her family responsibilities and living alone, she was just scraping by. However, in 2004, she received a first loan from the MFI Hekima. From then on, she was able to reestablish her social and economic equilibrium. Ekanga L. has already managed to achieve some family goals, notably the purchase of a plot of land. If God grants her long life, Ekanga L. intends to continue to be ambitious enough, despite being a widow, to build a house for her children. With the loan from Hekima, widow Ekanga L. hopes to grow her sales by buying 10 sacks of charcoal (for her charcoal business) and 5 barrels of oil (locally known as «Kafindondo».)
Ekanga L. says that the major challenge to her charcoal business is the multiple attacks along the route carried out by outlaws who are hiding in the Virunga National Park, in the east of the DRC, and Rwandan Hutu rebels from the FDLR. Also the police and administrators make difficulties, especially since the State has threatened to bring to justice those they say are destroying the environment (people who sell wood from the national park). As for her oil sales business, she sometimes buys a load of spoiled oil or poor quality oil which has lost all its flavor, since this oil is produced by local artisans in the province of Kindu-Maniema and way up north near Lake Kivu, around Beni, or Mangina, and sometimes stored in dirty jerrycans or rubber containers that are fragile, etc. This can cause her an enormous loss.
Widow Ekanga L. would like to thank the MFI Hekima for the loans that she receives without collateral since it is thanks to these loans that she is managing to support her orphaned children. The Baraka Office group is composed of eight women.
Vue la charge de familiale et la vie seule, elle a évolué difficilement. Cependant elle a bénéficié de premier crédit de l’IMF Hekima en 2004. De la, elle a retrouvé un équilibre social et économique. Dit-elle, Ekanga L. a déjà réalisé plusieurs projets familiaux (achat d’une parcelle). Si Dieu la prête vie, Ekanga L. reste ambitieuse, malgré son statut de veuve, de pouvoir construire une maison pour ses enfants. Avec le crédit de l’IMF Hekima, la veuve Ekanga L. souhaite augmenter son chiffre d’affaire en achetant 10 sacs des braises (affecte au business de braise) et 5 fus d’huile (localement appelés «Kafindondo». Ekanga L. explique le défi majeur de son activité de vente braises est lié aux multiples pillages au long de la route par des assaillants ,qui restent dans le parc national de Virunga, a l’Est de la RDC et rebelles Hutu rwandais de FDLR. A cela s’ajoute les tracasseries policières et administratives surtout comme l’Etat a déjà pris de mesures pénales aux soit disant destructeurs de l’environnement (vendeurs de bois de parc national). Pour l’activité de vente d’huile parfois elle achète un stock d’huile pourries, des mauvaises qualités, qui a déjà perdue toute la saveur, étant donné que cette huile est produite en technologie locale artisanale dans la province de Kindu-Maniema et dans le grand Nord de Kivu, vers Beni, Mangina, et conservée parfois dans de bidons salles ou des emballages en caoutchouc fragile, etc. Cela contraint à connaitre une perte énorme.
La veuve Ekanga L. remercie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir aux besoins de ses enfants orphelins. Le groupe baraka office est composé de 8 femmes.
Important InformationHEKIMA 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.
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