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Michael Group
In this Group: Kavira, Kazigire, Mado, Neema, Mawazo, Ndarinyinzi, Wakubenga, Nabaguma, Kikandi, Riziki, Sikiliza, Namuganga, Nyandwi, Byanamahanga, Nabintu, Rose, Nsimire, Bajagane, Zamda, Bwira, Chibalonza, Tulinabo, Furaha, Zawadi, Kitumanini, Chibalonza
Nabaguma is the leader of the "Michael" group. She is 47 years old, the mother of ten children and a very ambitious entrepreneur. Her husband is a farmer.

Nabaguma sells food products, displaying them at her house. She started this business 11 years ago using her own funds. Her main challenge is that she sometimes has to sell on credit.

With this new loan, she will be able to buy one sack of maize and a bowlful of tomatoes.

She thanks Hekima and its partners for the support they provide to small-scale entrepreneurs excluded from the traditional banking system.

It should be noted that, (in the photo), some of the borrowers are carrying their babies.
View original language description ↓
La cliente Nabaguma est leader du groupe Michael. Elle est entrepreneur très ambitieuse, âgée de 47 ans, mère de 10 enfants. Son mari est un cultivateur. La cliente est vendeuse de denrées alimentaires. Elle expose ses articles à son domicile. Elle démarra son business avec son fonds propre, il ya 11 ans qu’elle fait cette activité. Le défi majeur pour cet entrepreneur est qu’elle vend parfois en crédit. Ce nouveau crédit lui servir d’acheter 1 sac de mais et un basin de tomates. Ainsi, elle remercie Hekima et ses partenaires pour le soutien aux petits entrepreneurs non bancables.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
  • 2
    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 Michael Group's $1,300 loan helped a member to buy one sack of maize and a bowlful of tomatoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 6, 2012
Sep 9, 2012
Currency Exchange Loss:
Feb 15, 2013