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Juhudi Group
In this Group: Christine*, Kavugho, Bandu, Namulango, Furaha, Wakusomba, Kahindo, Baeni, Mukamba, Mutangi, Kavira, Tshiyamba, Luyindula, Zawadi, Mwenda, Nyanga, Kibanza, Munihire, Masika, Mapendo, Cheusi, Neema, Matunda
* not pictured
Christine is an entrepreneur and the leader of the business group Juhudi. She is approximately 51 years old and a married mother of ten children who all go to school. Some of them live on their own.

Christine sells fabrics. Her husband runs a hotel where he is a chef. Christine displays her merchandise along busy streets and avenues. She started this activity 10 years ago with her own capital given to her by her spouse. She has now completed 24 loan cycles with Hekima’s microfinance program, and this new loan will allow her to buy one bundle of fabric (bed sheets).

She wants to provide for her children’s tuition and buy a plot of land to build a comfortable home.

Christine wishes to thank the Hekima MFI for helping poor women who do not have access to traditional banks.
La cliente Christine, leader du groupe d’affaire « Juhudi », est entrepreneur, âgée d’environ 51 ans, mariée, mère de 10 enfants qui étudient tous et d’autres ont leurs propres foyers. Elle est vendeuse de tissus. Son mari est un hôtelier, alors maître cuisinier. Elle installe ses marchandises au long de la rue ambiante des avenues. Elle commença cette activité avec son fonds propre reçu de son conjoint. Il y a 10 ans révolus qu’elle exerce ces activités. Cependant, elle vient de réaliser 24 cycles dans le programme de microcrédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec un ballons de tissus (draps de lit). En plus, elle ambitionne scolariser ses enfants et acheter une parcelle pour y construire confortablement. La cliente remercie Hekima pour ses actions en faveur 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
  • 22
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,953,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Juhudi Group's $5,350 loan helped a member to buy one bundle of fabric (bed sheets).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 16, 2012
Aug 28, 2012
Currency Exchange Loss:
Jan 15, 2013