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Zawadi Group
In this Group: Mukumbwa, Faida, Zawadi, Muomba, Sinahafu, Idi Kihuo, Nyanvura, Idi Many, Bahati, Kashira, Heshima, Banyere, Byamana, Ntachomanzi, Bazimaziki, Muhawe, Batasema, Riziki, Rebecca, Faida, Mauwa, Chakupewa, Neema, Ngunzwenabake, Rehema, Defrose
This client, Faida, is the leader of the business group "Zawadi". A courageous entrepreneur, she is 47 years old, married and the mother of nine young children who all attend school. Her husband works in retail business.

Faida sells food products such as groundnuts and ndagara (small local fish). She has been involved in these small-scale income-generating activities for about 12 years.

Through the microfinance institution Hekima and its credit program, she has obtained her 20th loan cycle. She will use this new loan to buy two bags of groundnuts, one bag of ndagara etc.

In addition, she would like to see her children grow up comfortably and to expand her business. Profits from her business will serve to put money into saving, to pay for her children's education, food and clothing.

Faida thanks Hekima for its actions in favor of poor women excluded from the traditional banking system.

It should be noted that one of the borrowers is carrying her baby.
View original language description ↓
La cliente Faida, leader du groupe d’affaire «Zawadi », est entrepreneur courageux, âgée de 47 ans, mariée, mère de 9 jeunes enfants, qui étudient tous. Son mari est un petit commerçant. Elle est vendeuse des de denrées alimentaires (arachides, ndagara, etc.). Environs 12 ans, elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 20e cycle de crédit dans le programme de microcrédit de l’IMF Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs des arachides, 1 sac de ndagara, etc. En plus, elle souhaite voir ses enfants grandir confortablement et accroitre son entreprise. Les bénéfices de ses activités lui servent de réaliser l’épargner, de payer la scolarité, l’habillement, la nourriture, etc. , pour sa famille. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. il sied de signaler qu'une cliente porte son bébé.

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
  • 3
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,474,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Zawadi Group's $6,000 loan helped a member to buy two bags of groundnuts, one bag of ndagara (small local fish) etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Jul 14, 2012
Currency Exchange Loss:
Nov 15, 2012