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Benedict Group
In this Group: Nankomere, Mutongo, Namavu, Sifa, Ntakwinja, Mawazo, Pendeza, Faida, Timiza, Kabuo, Nyakwabo, Sifa, Bulonza, Bitinda
The client, Pendeza, is the secretary of the Bénédiction loan group. A dynamic woman, she's on her 15th loan cycle. She is the mother of 7, and her husband is currently unemployed. She sells various items and started her business with money she received from her husband. She sells her goods at the public market in Alanine. She has been working on this revenue generating activity for 8 years.

With the loan from IMF Hekima, the client would like to grow her sales volume buying various items (Omo [soap], sugar, gas, beauty lotion, Fanta, shoes, etc.). She says that her current business challenge is all the taxes she has to pay.

In the future, she would like to grow her business, to build (a home) with ease, educate her children, and see her husband find work.

She thanks IMF Hekima for the regular loans that she receives without collateral because it's due to these loans that she can meet the many needs of her family.
View original language description ↓
La cliente Pendeza est secrétaire du groupe de crédit Bénédiction, Femme dynamique, cliente au 15e cycle de crédit. Elle est mère de 7 enfants. Son mari est actuellement chômeur (sans emploi). Elle est vendeuse de divers. Elle a commencé son business avec son fond propre reçu de son mari, Elle expose ses marchandises au marché public du secteur Alanine. Environs 8 ans, elle exerce cette activité génératrice de revenu. Avec le crédit de l’IMF Hekima, la cliente souhaite accroitre son chiffre d’affaire en achetant les articles divers (Omo, sucre, pétrole, lotion de beauté, Fanta, souliers, etc.). Le défi actuel dans son activité, c’est la multiplicité de taxes dit-elle. Dans l’avenir, elle ambitionne accroitre son entreprise, construire confortablement, scolariser ses enfants et voir son mari trouver du travail. Elle remercie l’IMF Hekima, pour les crédits réguliers qu’elle reçoit sans aucune garantie matérielle, car grâce à ces crédits, elle parvient à subvenir aux multiples besoins de sa famille.

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
  • 18
    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 Benedict Group's $5,250 loan helped a member to buy various items (Omo [soap], sugar, gas, beauty lotion, Fanta, shoes, etc.).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Oct 10, 2012
Currency Exchange Loss:
Mar 15, 2013