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Alpha Group
In this Group: Kavira, Habamungu, Kakule, Kavira, Muhindo, Kabugho, Neema, Chekanabo, Riziki, Bahati, Nyota, Kadumbi, Masika, Fikiri, Faida, Riziki, Nzigire, Esther, Kamate, Chance, Busima
This client, Nyota, is a member of the loan group Alpha. She is an energetic woman, an entrepreneur, and about 30 years old, and she sells charcoal and cassava flour. Her husband is an evangelist-intercessor at a local evangelical church.

She started her small business with her own funds. Later on, she joined the Hekima micro-loan program to bolster her business. She just completed five loan cycles with Hekima. The profits from her business go toward a savings account, food, and covering her children's schooling costs. 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 will serve to supply her with 3 sacks of charcoal and a sack of cassava flour. In addition, she would like to see her children grow up and to buy a plot of land in the future.

This client thanks Hekima for its actions helping poor women having low incomes to become autonomous.
View original language description ↓
La cliente Nyota, membre du groupe de crédit Alpha, Femme dynamique, entrepreneur, âgée d’environs 30 ans. Elle est vendeuse de braises, farine de manioc. Son mari est un évangéliste intercesseur dans une Eglise locale de réveil. Elle commença ses petits business avec son fonds propre. Plus tard, elle adhéra dans le programme de microcrédit de Hekima pour renforcer ses affaires. Elle vient de réaliser 5 cycles de crédits avec Hekima. Les bénéfices de son activité servent d’épargne, d’alimentation et d’appui à la scolarité de ses enfants. 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 3 sacs de braises et 1 sac de farine de manioc. En plus, elle souhaite voir ses enfants grandir et acheter une parcelle dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.

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
  • 11
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,396,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Alpha Group's $3,025 loan helped a member to buy 3 sacks of charcoal and a sack of cassava flour.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 16, 2012
Aug 17, 2012
Currency Exchange Loss:
Jan 15, 2013