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Bonheur Group
In this Group: Minyango, Rehema, Ninda, Amani, Malibile, Faida, Zuena, Kalonda, Kinyama, Kalonda, Marhegane, Bora, Kavira, Kahindo, Nyande, Apoline, Bamboviki, Ndirira, Zawedi Sifa, Kabuo, Cifunye, Mangaribi
Zuena, a member of the credit group "Bonheur", is a very ambitious entrepreneur. She is around 43 years old, not married and the mother of 3 young children who are all studying. She sells groceries. She displays her merchandise at the small markets, at her home and sometimes on the side of the road leading to the avenues. She started her business with her own funds, received from her boyfriend, and sold fish (Mikeke) coming from Uvira. Later on, she benefited from extra funding in the form of loans from MFI Hekima. She has been in this business for 2 years.

Zuena has just completed 4 loans cycles with the Hekima microfunding program. The insecurity in the province's interior is threatening the development of her business. This new loan should allow her to buy items like 50 kg of rice, 50 kg of sugar, fish and soap, and the rest of the money will be spent on her children's education. She would also like to see her children grow up, and buy a house and a car.

The customer thanks Hekima for its actions helping impoverished women achieve economic and financial emancipation.

Some customers in the picture are carrying their babies.
La cliente Zuena, membre de l’association de crédit « Bonheur », est un entrepreneur très ambitieux, âgée d’environ 43 ans, non mariée, mère de 3 jeunes enfants qui étudient tous. Elle est vendeuse des denrées alimentaires. Elle installe ses marchandises dans des petits marchés, à son domicile et parfois sur le long de la rue donnant axer aux avenues. Elle commença son business par la vente de poissons (Mikeke) à provenance d’Uvira, et cela, avec son fonds propre reçu de son petit ami. Alors, plus tard elle bénéficia un fond additionnel de crédit de l’IMF Hekima. Il y a 2 ans révolus qu’elle exerce ces petites activités. Cependant, elle vient de réaliser 4 cycles en profitant du programme de microcrédit de l’IMF Hekima. L’insécurité dans l’intérieur de la province constitue une menace pour le développement de ses activités. Ce nouveau prêt doit lui servir de s’approvisionner avec 50 kg de riz, 50 kg de sucres, poissons, savons, etc., et le reste d’argent sera affecté dans la scolarité des enfants. En plus, elle souhaite voir ses enfants grandir, acheter une maison, une voiture. La cliente remercie Hekima pour ses actions dédiées de pauvres femmes pour leur émancipation économique et financière. Il sied se 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
  • 6
    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 Bonheur Group's $3,275 loan helped a member to buy 50 kg rice, 50 kg sugar, fish, soaps, etc.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Oct 10, 2012
Currency Exchange Loss:
Feb 15, 2013