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Arche Group
In this Group: Kalala, Bagheni, Wayali, Bahati
This client, Wayali, is a member of the loan group Arche. She is a woman living by herself, energetic, ambitious, a self-made entrepreneur, and 51 years old. She sells beverages (Primus, Fanta, Mutzig, etc.). She started her business by selling sugar cane on the roadside. Later, she advanced her business and changed it. She has a tiny place named Place Vadam, a base where she welcomes her customers who come to quench their thirst.

When she was informed about micro-loans, which the microfinance institution Hekima awards, she obtained her first loan of $50 to bolster her business. The profits from her business go to savings, food, and helping to cover schooling costs for her children and grandchildren. However, she just obtained her seventh loan. Over this time, this client saw her business really prosper. So she decided to increase the loan amount for this new cycle.

This new loan must serve to supply her with 30 cases of beverages (Fanta, Primus, Mutzig, etc.). In addition, she would like to open a snack bar in order to see her children grow up and expand their horizons.

This client thanks Hekima for its actions helping poor women excluded from traditional banks to become autonomous.
View original language description ↓
La cliente Wayali, membre du groupe de crédit arche, femme vivant seule, dynamique, ambitieuse, entrepreneur autodidacte, âgée de 51 ans. Elle est vendeuses des boissons (Primus, Fanta, Mutzig, etc.). Elle a commencé son business par la vente de cannes à sucre au long de la rue, plus tard elle évolua et changea l’activité. Elle détient une petite maisonnette dénommée place vadam, siège où elle reçoit ses clients qui viennent attiser leur soif. Alors qu’elle fut informée de micro crédit qu’octroi l’IMF Hekima, elle bénéficia son premier crédit de 50$ pour renforcer ses affaires. Les bénéfices de son activité servent d’épargne, d’alimentation et d’appui à la scolarité de ses enfants et petits fils. Cependant, elle vient d’obtenir son 7eme crédit. Au cours de la période, cette cliente a vu ses affaires prospèrent positivement. Ainsi elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir de s’approvisionner avec 30 casiers (de Fanta, Primus, Mutzig, etc.). En plus, elle souhaite voir ses enfants grandir et ouvrir ses horizons en ouvrant un snack bar. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes exclues de banque classique.

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
  • 10
    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 Arche Group's $1,100 loan helped a member to buy 30 cases of Fanta, Primus, Mutzig, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 15, 2012
Currency Exchange Loss:
Jan 15, 2013