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Cheribin Group
In this Group: Ndalinyinyi, Namwana, Pendeza, Fitina, Tulinabo, Buhoro, Ntamwinja, Mamie, Nakaranga, Mwadjuma, Masika, Mapatano, Masika, Yalala, Siyazani, Afuwa, Judith, Mukobwa, Julienne, Mulowe, Nyirandiku, Nyaraombo, Rangi, Musafiri, Ombeni , Bindu, Fatuma, Alice, Ntoole, Byamungu, Yvone, Kubuya
This client, Mwadjuma, is the president and promoter of the loan group Cherubin. She is 31 years old, an energetic woman, a young entrepreneur, and very ambitious. She is a seller of grocery items. Her husband sells hardware. Mwadjuma started her business with assistance from her husband. Later on, she built up her own capital fund and found autonomy.

Mwadjuma just completed two cycles in the micro-loan program at the microfinance institution Hekma. This new loan must serve to supply her with 150 kg of cassava flour, salt, tomatoes, etc.

In addition, she would like to see her children grow up and to increase her sales. This client thanks Hekima for its actions helping poor women excluded from traditional banks to become autonomous.

It is appropriate to note that certain clients are holding their babies.
View original language description ↓
La cliente Mwadjuma, Présidente et promoteur du groupe de crédit Cherubin, Femme dynamique, jeune entrepreneur expérimentée et très ambitieuse, âgée de 31 ans. Elle est vendeuse de denrées alimentaires. Son mari est quincaillier. Elle a commencé son business en s’entraidant avec son mari. Plus tard, elle constitua son capital et trouva son autonomie. Elle vient de réaliser 2 cycles dans le programme de micro crédit de l’IMF Hekima. Ainsi,ce nouveau crédit doit lui servir de s’approvisionner avec 150 kg de farine de manioc, les sels, les tomates, etc. En plus, elle souhaite voir ses enfants grandir et accroître son chiffre d'affaire. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes exclues de banque classique. 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
  • 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 Cheribin Group's $2,850 loan helped a member to buy 150 kg of cassava flour, salt, tomatoes, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 6, 2012
Aug 15, 2012
Currency Exchange Loss:
Jan 15, 2013