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Shukrani Group
In this Group: Byabagula, Lubala, Bungilila, Gurahoza, Chukiwa, Wamunzila, Matabaro, Zirirane, Lubango, Riziki, Mariam, Mapendo, Cinama, Feza, Apendeki, Muhindo, Nashinja, Mulonda, Rhuhune, Sifa, Ombeni, Furaha
Byabagula is an ambitious woman who forms part of the Shukrani borrowing group. Aged 52, she is married to a man who is unemployed, and is mother to 12 children who are all at school. She has sold used shoes since 2006, and this is her 13th loan cycle with Hekima.

Byabagula plans to use her loan to buy used shoes. She wants to build a family home in the future, and gives her thanks to Hekima.
View original language description ↓
La cliente Byabagula est une femme ambitieuse d’un groupe de crédit Shukrani. Âgée de 52ans est mariée à un chômeur et mère des 12 enfants tous scolarisés. Elle est vendeuse des souliers usagés depuis 2006 et est au 13ème cycle de crédit chez Hekima. Le crédit sollicité lui servira d'acheter 3 ballons des souliers usagés. La cliente souhaite construire une maison d'habitation familiale dans l’avenir. Ainsi, elle remercie Hekima.

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
  • 16
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,956,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Shukrani Group's $3,575 loan helped a member to buy three bales of used shoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 19, 2012
Jun 28, 2012
Currency Exchange Loss:
Nov 15, 2012