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Zabayo Group
In this Group: Kahindo, Kiroha, Tumaini, Chizanye, Nyirasabimana, Kavira, Vumilia, Chibalonza, Nyirahabimana, Furaha, Mujinya, Sebimana, Siuzike, Banyungu, Maniriho, Sifa, Kabuo, Kavira, Simwa Ndungo, Nyirahabimana, Bigirifura, Kanyere, Wamwanya, Mapendo, Mwasha, Ngabire, Nyabyenda, Habimana, Zawadi, Mabanzi , Zarwako, Sinandugu
The client Kiroha is an entrepreneur, the leader of the business group Zabayo. She is 39 years old, married, and the mother of nine children. Three of them have their own homes, and the others are in school. Her husband is a teacher. Kiroha sells beans at the Majengo sector market. She has been in this business for more than fifteen years.

She has just finished four loan cycles with Hekima. She started her business with $20 from her husband. This new loan should serve to buy her one bag of beans to sell. Her ambitions are to educate her children and to build a house. She thanks Hekima for its actions supporting the poor, excluded from traditional banking.

It should be mentioned that the business group Zabayo is primarily composed of women. The photo was taken in very bright sunlight. In it, certain women are under their parasols and others are invisible. Also, one mother came with her little girl, shown in the second row.
View original language description ↓
La cliente Kiroha est entrepreneur, leader du groupe d’affaire « Zabayo », âgée de 39 ans, mariée, mère de 9 enfants parmi les quels 3 ont leurs propres foyers et d’autres étudient. Son mari est un enseignant. La cliente est vendeuse d'haricots dans le marché sectoriel de Majengo. Il ya plus de 15 ans qu’elle exerce cette activité. Elle vient de réaliser 4 cycles avec le crédit de Hekima. Elle démarra son business avec 20$ reçu de son mari. Ce nouveau crédit doit lui servir de s’approvisionner avec 1 sac d’haricots à marchander. En plus, elle ambitionne scolariser ses enfants et construire une maison. La cliente remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Il sied de signaler que le groupe d’affaire « Zabayo» est majoritairement féminin. La photo fut prise sous le soleil de plomb. Sur ce, certaines femmes sont sous leur para soleil et d’autres restent invisibles. En outre, une maman est venue avec son enfant (fillette), positionnée sur la deuxième ligne.

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
  • 13
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,397,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Zabayo Group's $2,800 loan helped a member to buy beans.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 30, 2011
May 31, 2011
Currency Exchange Loss:
Oct 15, 2011