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Umoja Ni Nguvu Group
In this Group: Murhula, Maomboleo, Mwakiza, Wabeno, Siuzike, Kavira, Yaya, Mangaza, Mukalarisa, Riziki, Nabintu, Faida, Nyalulera, Kito, Nsimire, Murhula, Riziki, Nabahavu, Nafranka, Cekanabo, Balairi, Libaku, Nadege, Namwana, Byenda, Kito, Furaha, Bahati, Suriki, Nzigire, Baliahamwabo
The customer, Siuzike, leader of the business group Umoja Ni Nguvu, is a 46 year old entrepreneur, married and the mother of three young children, all attending school. Her husband is a state official.

She has a membership part in a restaurant. She has been practicing this kind of small income generating activity for over 10 years. Nevertheless, she just received her eighth loan from Hekima. This new loan will allow her to get supplies, 3 baskets of potatoes, 10 liters of oil, 12 kg of flour, 2 crates of Fanta, milk, tomatoes etc.

In addition she would like to see her children grow up comfortably and increase her business. The customer thanks Hekima for its actions in favor of poor women excluded from classic banking.
View original language description ↓
La cliente Siuzike, leader du groupe d’affaire «Umoja ni nguvu », est entrepreneur, âgée de 46 ans, mariée, mère de 3 jeunes enfants, qui étudient tous. Son mari est un officiel de l’Etat. Elle est sociétaire d’un restaurant. Il y a 10 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 8eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 3 paniers de pommes de terre, 10 litres de huile, 12 kg des farines, 2 casiers de Fanta, lait, tomates, etc. En plus, elle souhaite voir ses enfants grandir confortablement et accroitre 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 Umoja Ni Nguvu Group's $3,900 loan helped a member to purchase 3 baskets of potatoes, 10 liters of oil, 12 kg of flour, 2 crates of Fanta, milk, tomatoes etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 18, 2011
Oct 20, 2011
Currency Exchange Loss:
Mar 15, 2012