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Etoile Group
In this Group: Furaha, Nganzo, Zaina, Juma, Pose, Feza, Balemba, Namavu, Mawazo, Siuzike, Safi, Kyakimwa, Byamungu, Sikujuwa, Nuru, Kazi, Mami, Toyota, Furaha, Fatuma, Sifa, Ramazani, Mose, Chikuru
Pose, age 36, is an entrepreneur and the leader of Etoile Group. She's the mother of two children and lives alone (without husband). Her eldest child is 22, the youngest 10. Unfortunately, they don't get to study due to a lack of financial means.

Pose sells tomatoes, onions, Rina cooking oil, vegetables, and potatoes. She's been running this business for six years, and benefited from eleven loans from Kiva's partner, Hekima.

Her start-up capital amounted to $5 she received from her younger brother. With it, she started selling grilled corn on the side of the road.

This new loan will enable her to get supplies (five baskets of tomatoes and three sacks of potatoes) and realize other micro projects with her family.

In addition, she wishes to see her children grow up and expand her business. Pose thanks Hekima for its actions in favor of poor women excluded from traditional banks.
View original language description ↓
La cliente Pose, leader du groupe d’affaire «Etoile», est entrepreneur, âgée de 36 ans, femme vivant seule (sans mari), mère de deux enfants. L’ainé a 22 ans et le cadet a 10 ans, malheureusement tous n’étudient pas faute de moyens. Elle est vendeuse des tomates, oignons, huile Rina, légumes, pommes de terre .environs 6 ans, elle exerce ces petites activités génératrices de revenus. Cependant, elle vient de réaliser 11 cycles avec crédit de Hekima. Son premier capital fut de 5$ reçu de son petit frère, ainsi, elle commença par la vente de maïs grillé au long de la route. Ce nouveau crédit doit lui servir de s’approvisionner avec 5 paniers des tomates, 3 sac de pommes de terre, et réaliser d’autres micros projets de la famille. En plus, elle souhaite voir ses enfants grandir 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
  • 6
    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 Etoile Group's $3,875 loan helped a member 5 baskets of tomatoes and 3 sacks of potatoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 11, 2012
Jul 12, 2012
Currency Exchange Loss:
Nov 15, 2012