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Ararati Group
In this Group: Namukenge, Chibalonza, Mauwa, Kahumbu, Mulisa, Rubunga, Furaha, Ndeko, Nyiramana, Francine, Masika, Kasoki, Akona, Balolwa, Nzigire, Nyota
Mulisa is the head of the business group “Ararati". She is a young entrepreneur, age 40, and the mother of seven young children who attend school. She sells ladies’ footwear, handbags, etc. Her husband is unemployed. She displays her merchandise in a store at the Birere shopping mall. She has been practicing such income-generating activities for two years.

She has completed 10 loan cycles with the Hekima microfinance institution. This new loan will allow her to stock up on merchandise by buying 40 pairs of shoes and 20 handbags for resale. She wants her children to grow up comfortably, and she would also like to expand her business.

Mulisa wishes to thank the Hekima MFI for helping poor women who do not have access to traditional banks.
La cliente Mulisa, leader du groupe d’affaire «Ararati », est jeune entrepreneur, âgée de 40 ans, mère de 7 jeunes enfants, qui étudient. Elle est vendeuse de souliers dames, sacs à mains, etc. Son mari est chômeur. Elle installe ses marchandises dans un magasin au centre commercial Birere. Il y a 2 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 10 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 40 paires de souliers, 20 sacs à mains 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
  • 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 Ararati Group's $5,000 loan helped a member to buy 40 pairs of shoes and 20 handbags for resale.
100% repaid
Repayment Term
4 months (Additional Information)
Repayment Schedule
Aug 26, 2011
Aug 29, 2011
Currency Exchange Loss:
Nov 16, 2011