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Shagali Group
In this Group: Nabarina, Nsimire, Tabu, Kahindo, Fikiri, Kafeke, Belinda, Mbilizi, Katungu, Sekanabo, Kahindo, Banga, Nabuchaguzi, Kavira, Kisa, Mwangaza, Sifa, Nakahonga, Sifa, Maombolezo, Tunabo, Rebecca, Salima, Maangaiko, Siuzike, Pendeza, Naminani, Fatu, Safi, Bahati, Kahindo, Ombeni, Furaha
The client is the president of the lending group Shagali. She is 38 years old, a brave woman, an entrepreneur and the mother of 6 children who all go to school. She sells small items in front of her home, most notably rice, sugar, Fanta, soaps, salt and spices. Her husband works for a transportation agency.

She started her business with a loan from Hekima, once she found out about the institution's activities in Goma from neighbours. The profits from her business are used to build savings and pay for her children's food and education.

She has just received her 5th loan. Over time, this customer has seen her business decrease in the wake of the economic crisis and because of the region's security problems. However, thanks to Hekima's loans, she has been able to buy a significant amount of household equipment for her family. This new credit will be used to buy 2 bags of garlic, 2 cans of Rina oil and other products. She would like to see her children grow up without trouble.

The customer thanks Hekima for its actions to empower women with lower incomes.
La cliente, présidente du groupe de crédit Shagali, Femme courageuse, entrepreneur, âgée de 38 ans, mère de 6 enfants qui étudient tous. Elle est vendeuse des petits articles devant son domicile notamment (Riz, sucres, Fanta, savons, sels, épisses, etc.) Son mari travaille dans une agence de transport. Elle commença son business avec le crédit de Hekima, de lors qu’elle fut informée par ses voisins des activités de cette IMF dans la ville de Goma. Les bénéfices de son activité servent d’épargne, d’alimentation et scolarité pour ses enfants. Cependant, elle vient d’obtenir son 5eme cycle de crédit. Au cours de la période, cette cliente a vu ses affaires régressent suite à la crise et aux problèmes de l’insécurité de la région. Toute fois, Grace aux crédits de Hekima, elle a réalisé des équipements ménagers importants pour sa famille. Ainsi, ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs de aies, 2 bidons d’huile de Rina, et autres divers. En plus, elle souhaite voir ses enfants grandir en douceur. La cliente remercie Hekima et ses partenaires pour les actions d’autonomisation de pauvres femmes à faible revenu.

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
  • 5
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,515,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Shagali Group's $3,475 loan helped a member to buy 2 bags of garlic, 2 cans of Rina oil and other products.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
May 4, 2012
May 9, 2012
Currency Exchange Loss:
Sep 15, 2012