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Tuungane Group
In this Group: Kahambu, Salama , Mwengeshali, Mangwe, Kavugho, Moza, Bora, Kavira, Kavira, Kahindo, Masika Kisuba, Kabuo, Bindu, Pendeza , Kahindo, Kavira
Immaculée Salama is the secretary of the Tuungane solidarity group, which has 16 members. She is 39 years old, married, and the mother of six children. Her husband is a teacher. Her eldest son is 17, the youngest 7, and all children attend school.

She has been in the retail business for five years, selling miscellaneous items. She started out with her own funds, approximately $100, which her husband gave her. She sells sugar, Omo, rice, Fanta, etc. She has a booth at the central market of Virunga.

With this loan, she will increase her sales by purchasing 10 bags of rice, 5 bags of Omo, Fanta, etc. Her biggest challenge is that she occasionally sells on credit, and some customers delay payment, or do not pay at all.

She wants to buy a plot of land and build on it, for her children.

Immaculée Salama wishes to thank the Hekima MFI for supporting underprivileged people who do not have access to traditional banks.
Salama Immaculée est secrétaire du groupe Tuungane, âgée de 39 ans, mariée, mère de 6 enfants, son mari est enseignant. Son fils ainé a 17 ans et le cadet a 7 ans et tous étudient. Il y a 5 ans qu’elle exerce son business de vente de divers. Elle a commencé avec ses fonds propre reçu de son mari environ 100$. Elle vend de sucre, Omo, riz, Fanta, etc. Elle expose ses marchandises dans le marché central de Virunga. Ce crédit va lui permettre d'augmenter son chiffre d’affaire en achetant 10 sacs de Riz, 5 sacs d’Omo, de Fanta, etc. Le grand obstacle est qu’elle vend parfois en crédit et que certains clients ne lui payent pas ou parfois payent avec retard. Elle souhaite acheter une parcelle pour ses enfants et y construire. La cliente Salama Immaculée remercie Hekima pour ses actions en faveur de pauvres citoyens exclus de banque classique. Il sied de signaler que ce groupe Tuungane est composé de 16 membres.

Additional Information

Important Information

HEKIMA 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.

About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 2
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,512,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Tuungane Group's $5,000 loan helped a member to buy 10 bags of rice, 5 bags of Omo, Fanta, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 30, 2010
Aug 31, 2010
Currency Exchange Loss:
Jan 15, 2011