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Ep Teresamira Group
In this Group: Bahati, Bugegate, Mapendano, Masika, Mukanirwa, Muhindo, Sangwa, Soki, Nyabyenda, Uwimana, Hitimana
Bugegate, the representative of the teacher's group, is a teacher (instructor) in a primary school in Teresamira, which benefits from loans from IMF Hekima. She is a dynamic entrepreneur, 48 years of age, widowed and the mother of 6 children.

She sells potatoes outside of work, to increase her wallet. Her husband died a long time ago. She started her business with her own funds, taken from her salary. Later on, she found support through group loans. She has completed 2 loan cycles with Hekima's program. She will use this new loan to buy 15 bags of potatoes. She would like to thank Hekima for its micro financing program for teachers.
La cliente Bugegate, représentante du groupe d'enseignants, elle est enseignante (monitrice) dans une école primaire Teresamira, qui bénéficie des crédits de l’IMF Hekima. Elle est entrepreneur dynamique, âgée de 48 ans, veuve et mère de 6 enfants. En dehors de son service, elle fait de petit commerce de pommes de terre pour accroitre son portefeuille. Ca fait longtemps que son mari est décédé. Elle commença son affaire avec son fonds propre reçu de son salaire. Plus tard, elle trouva le soutien de mutuel de crédit. Elle vient de réaliser 2 cycles dans le programme de Hekima. Avec ce nouveau cycle de crédit, elle va acheter 15 sacs de pommes de terre. Ainsi, elle remercie Hekima pour son programme de microcrédit aux enseignants.

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
  • 2
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,512,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ep Teresamira Group's $5,300 loan helped a member to buy 15 bags of potatoes.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Aug 9, 2012
Currency Exchange Loss:
May 17, 2013