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Rafiki Group
In this Group: Boshwenda, Kavira, Vumilia, Katoto, Kasereka, Nzigire, Mukakimenyi, Bwinja, Mobembo, Kindolo, Zawadi, Kashashi, Katungu, Kavira, Nzigire, Kavira, Mulume, Naomie, Muhindo, Ndegeya, Mbavu, Nyekeza
The client, Mbavu, is the current advisor and former president of the loan group Rafiki. Her hand is raised in the photo.

She is 42 years old and is in her 17th loan cycle. She is the mother of 13 children including 2 sets of twins. Nine of her children go to school and three are married. Her husband is a doorman at a credit union in the city.

She started her small business with funds given to her by her family as a gift. For 15 years, she has been selling used shoes on foot in the city of Goma. She also sells potatoes out of her home to add to her revenues.

With her loan from IMF Hekima, the client would like to increase her sales by buying 5 pairs of used shoes.

In the future, she would like to change her line of business and open a small boutique that sells various items. In the long term, she'd like to buy a piece of land for her family.

The client would like to thank IMF Hekima enthusiastically for the loans that she has received without the need for collateral. Thanks to their loans, she is able to meet the needs of her children.
View original language description ↓
La cliente Mbavu est actuellement conseillère et ancienne présidente du groupe de crédit Rafiki, elle lève la main sur la photo, cliente au 17e cycle de crédit, âgée de 42 ans, mariée. Elle est mère de 13 enfants parmi lesquels 9 étudient et 3 sont mariés. Son mari est huissier dans une coopérative d’épargne et de crédit de la ville. Signalons que cette maman a mis au monde à deux reprises des jumeaux. Elle a commencé son petit commerce avec son fonds propre reçu de son familier en guise de petit geste de cadeau. Elle est vendeuse ambulante des souliers usagers dans la ville de Goma. Il y a 15 ans qu’elle exerce cette activité de vente des souliers usagers. Elle vend également des pommes de terre à domicile pour accroitre ses revenus. Avec le crédit de l’IMF Hekima, la cliente souhaite augmenter son chiffre d’affaire en achetant 5 paires des souliers usagers. Dans l’avenir, elle planifie de changer d’activité en ouvrant une petite boutique de vente des produits divers, et à la longue acheter une parcelle pour sa famille. La cliente remercie vivement l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir aux besoins de ses enfants.

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
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,397,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Rafiki Group's $4,975 loan helped a member to buy 5 pairs of used shoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 26, 2012
Jul 27, 2012
Currency Exchange Loss:
Nov 15, 2012