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Espoir Group
In this Group: Wimana, Nyirasireza, Nzanzu, Bafakulera, Masika, Kinja, Ntaneza, Furaha, Kagholi, Sifa, Mapendo, Afino, Cecile, Kahindo, Bavuga, Christine, Jacqueline, Amina, Butinda, Kanyere, Kibundila, Kavira, Kasiamba, Manegu, Kavugho, Urimubeshi, Salama, Nyirandegeya, Matata
The client Wimana, leader of the Espoir ("Hope") group, is a 48-year-old entrepreneur. She is married and a mother of 10 children who go to school and four others who already own their own homes. Her husband used to be a passionate civil servant ([but] is now on compulsory retirement).

Wimana is a shoe seller. She sets up shop at the market in Cadeco. She has been earning income with this sort of small business for 10 years.

She has just finished 13 loan cycles with Hekima. This new loan will serve to provide Wimana 15 pairs of shoes with which to bargain.

Additionally, Wimana hopes to educate her children and build a house. Wimana would like to thank Hekima for its work helping poor women who lack access to formal banking services.
View original language description ↓
La cliente Wimana, leader du groupe d’affaire « Espoir », est entrepreneur, âgée de 48 ans, mariée, mère de 10 enfants qui étudient tous et 4 autres ont déjà leurs propres foyers. Elle est vendeuse des souliers. Son mari est un ancien fonctionnaire passionné (mise en retraite). Elle installe ses marchandises au marché CADECO- Ville. Il y a 10 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 13 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 15 pairs de souliers à marchander. En plus, elle ambitionne scolariser ses enfants et construire une maison à mettre a location. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes non bancables.

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
  • 13
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,397,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Espoir Group's $3,100 loan helped a member to buy 15 pairs of shoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Sep 25, 2012
Currency Exchange Loss:
Feb 15, 2013