A loan of $9,000 helps a member to stock up on cosmetics and toys in order to reinforce her initial capital.


Musindi Group's story

Madam Justine is a client of Hekima and a member of the Musindi Group. She is 53 years old and married. She is also the mother of 6 children, three of which are school-age. Her partner is currently unemployed.

Madam Justine is a vendor of beauty products. She began her business in 2003 with the financial backing of AGR. Later on she partnered with Hekima in order to support her business, which has progressed well.

With this new loan Madam Justine plans to stock up on cosmetics and toys, which will reinforce her initial capital. The main difficulty her business faces is a current lack of clientele.

Madam Justine's dream is that her children continue their education and that she can support her family.

Lastly, Madam Justine would like to thank Hekima and its partners for the support they bring to nonbankable small business owners, particularly in the context of the Covid-19.

In order to maintain social distancing, only the group leader is photographed at this time.

In this group: Jacques, Francois, Barthelemy, Justine, Deborah

Translated from French by Kiva volunteer Rebecca Smith.


This loan is special because:

It serves entrepreneurs in conflict-affected areas with few opportunities.

Manon Genouille, Kiva staff

Manon Genouille
Kiva staff



Loan details


Lenders and lending teams






Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details



Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.