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La Joie Group
In this Group: Vumilia*, Baseme, Ndaribitse, Uwimana, Luinzo, Maombi, Nyirahabimana, Riziki, Pendeza, Widuhaya, Nabunani, Mugisha, Nsimirimana, Nyirakumbuya, Mukeshimana, Furaha, Nsengimva, Bindu, Amida, Habimana, Habanganimana, Zuana, Sifa, Uzamukunda, Domitila, Nvuyekure, Dusabe, Kyasaza, Furaha, Amida, Rebeka, Kahindo, Kambale, Kavira, Kitumaini, Kibandja, Nsengimana
* not pictured
Vumilia is the leader of the "La Joie" business group; she is married and the mother of six children. Her husband is unemployed. She is a seller of foodstuffs at the market in Nyabushongo. She started her business with a loan from Hekima. She has recently completed her 13th cycle in the microcredit program at Hekima.
This new loan will allow her to purchase two sacks of beans. She states that her family are dependent on this business. Thanks to the loans from which she has benefited, she is easily able to cover the costs of schooling, food, etc.
Therefore, she thanks Hekima for its help, and for supporting the autonomy of women small entrepreneurs.
It should be noted that some women are holding their babies.
View original language description ↓
La cliente Vumilia est leader du groupe d’affaire La joie, elle est mariée et mère de 6 enfants. Son mari est un chômeur. Elle est vendeuse de denrées alimentaires au marché Nyabushongo. Elle commença son entreprise avec crédit de l’IMF Hekima. Elle vient de réaliser 13 cycles dans le programme de microcrédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs de haricots. Dit-elle, sa famille dépend de cette activité. Grace aux crédits qu’elle bénéficie, elle supporte aisément les frais scolaires, l’alimentation, etc. Ainsi, elle remercie Hekima pour son appui et autonomisation des petits entrepreneurs femmes. Il sied de signaler que certaines clientes portent leurs bébés.

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
  • 18
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,408,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of La Joie Group's $4,850 loan helped a member to purchase two sacks of beans.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Jul 28, 2012
Currency Exchange Loss:
Nov 15, 2012