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Esperance Group
In this Group: Bwami, Adela, Julieni, Lukoo, Kahambu, Esperance, Chiza, Neema, Baranga, Bikanabo, Atafazali, Watewabo, Tusabe, Mukeso, Bahati, Furaha, Mushagalusha, Bazungu, Bwira, Monique, Furaha, Bibisha, Kabuo, Feza, Mapendo, Ntamusimwa, Barhambulira, Vumiliya, Baeni, Hawa, Rusiya
Our client, Esperance, is the leader of the business group “Changamuka”. She is a young entrepreneur, 35 years old, a widow, and the mother of four young children, who are still in primary school. Esperance sells fish (fresh, smoked, and salted). She sets up her merchandise at the communal market Himbi-katindo. She has been working in these kinds of small-scale businesses for nine years.

However, Esperance just completed eight loan cycles with Hekima. This new loan must serve to supply her with four baskets of fish to sell. In addition, she would like to see her children grow up comfortably and to expand her enterprise.

Our client thanks Hekima for the actions it takes in favor of poor women excluded from traditional banks.
View original language description ↓
La cliente Esperance, leader du groupe d’affaire « Changamuka », est jeune entrepreneur, âgée de 35 ans, veuve, mère de 4 jeunes enfants, qui étudient encore à l’école primaire. Elle est vendeuse de poissons (frais, fumés et salés). Elle installe ses marchandises au marché communal Himbi-katindo. Il y a 9 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 8 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 4 paniers de poissons à marchander. En plus, elle souhaite voir ses enfants grandir confortablement et agrandir son entreprise. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique.

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
  • 8
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,466,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Esperance Group's $4,200 loan helped a member to pay for 4 baskets of fish.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 8, 2011
Aug 26, 2011
Currency Exchange Loss:
Dec 29, 2011