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Tujikaze Group
In this Group: Balingene, Kaurwa, Mwindiki, Ndabo, Maria, Sifa, Nyirasafari, Namavu, Wetewabo, Mateene, Mwavita, Nsimire, Tabu, Nabarhalishonyi, Mwamini, Ndoole, Zawadi
Kaurwa M. is an entrepreneur, and leader of the business group Tujikaze. She is 55 years old, married, and the mother of five children. Two of her children live on their own, while the other three still go to school. Her spouse is a teacher.

Kaurwa M. sells used clothing (thrift store). She conducts her sales at the regional market of Kituku, which the government has booked for the project of the international agricultural exhibition for peace in the great lakes region.

Kaurwa M. has been engaged in this activity since youth. She has completed 16 loan cycles with the Hekima MFI to strengthen her working capital.

Kaurwa M. earns a living through this activity, as her husband’s wages are not sufficient to cover household expenses. In DRC, teachers receive very low wages.

This new loan will allow her to stock up on new merchandise (1 sack of used clothing). In addition, she hopes to sustain her business and complete construction on her house.

Kaurwa M. wishes to thank the Hekima MFI for helping poor women who cannot turn to traditional banks.

The Tujikaze group consists of 17 members. However, a business partner also appears in the group photo, which counts 18 people.

Kaurwa M. est entrepreneur, leader du groupe d’affaire Tujikaze, âgée de 55 ans, mariée, mère de 5 enfants. Ces 2 enfants ont leurs propres foyers et les 3 autres poursuivent le chemin de l’école. Son conjoint est un enseignant. La cliente Kaurwa M. est vendeuse des habits (friperie). Elle s’installe au marché regional de Kituku, marché réservé par le gouvernement au projet de Foire international agricole pour la paix dans la région des grands lacs. Depuis sa jeunesse la cliente Kaurwa M. exerce cette activité. Elle vient de réaliser 16 cycles en bénéficiant des crédits de l’IMF Hekima pour renforcer son capital. La cliente Kaurwa M. vit de cette activité, car la prime de son mari ne suffit pas pour couvrir les charges du ménage. Les enseignants en RD Congo ne sont pas quasiment payés. Ce nouveau crédit doit lui servir de s’approvisionner avec de nouvelles marchandises (1 ballon de friperie). En plus, elle ambitionne pérenniser son entreprise et réaliser son chantier de maison qui est en pleine construction. La cliente Kaurwa M. remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes exclues de banque classique. Le groupe Tujikaze est constitué de 17 membres. Cependant, un collègue d’affaire s’est ajouté sur la photo de groupe d’où 18 figures visibles.

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
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,965,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Tujikaze Group's $5,000 loan helped a member to buy one sack of used clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 23, 2011
Mar 25, 2011
Currency Exchange Loss:
Aug 15, 2011