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Ufalme Group
In this Group: Nankavu, Kibuye, Kahindo, Mbambu, Riziki, Vumilia, Mapendo, Luanda, Mihigo, Faida, Kavira, Habiragi, Kasago, Kahindo, Amani, Colette, Chakupewa, Maombi, Kahindo, Bahavu, Mwamini, Betina
Mbambu, age 44, is a dynamic entrepreneur and leader of the Ufalme business group. She is a married mother of nine children, two of whom live on their own and the other seven still in school. Her spouse is a civil servant employed by the public administration.

Mbambu sells a local juice commonly known as "Mandrakwa". She has been in this line of work for many years. She has completed 13 loan cycles with Hekima’s microfinance program. Her family lives on the earnings generated by her business, as the Congolese civil servants are paid sporadically and rather poorly, which does not enable them to cover the month's expenditures, let alone build savings.

Mbambu will use this new loan to buy the ingredients needed to make Mandrakwa (5 sacks of maize, 50 kg of millet, 50kg of flour, 50kg of sorghum, some firewood, etc.). She also aims to sustain her business and to ensure that her children get a proper education.

Mbambu would like to thank the Hekima MFI for helping impoverished women who are excluded from traditional banking channels.

Note: One of the group members is carrying her baby on her back.
La cliente Mbambu est entrepreneur dynamique, leader du groupe d’affaire Ufalme, âgée d’environ 44 ans, mariée, mère de 9 enfants parmi les quels, deux ont leurs propres foyers et sept vont encore à l’école. Son conjoint est un fonctionnaire dans l’administration publique. La cliente est vendeuse de jus local communément appelé Madrakwa. Il ya plusieurs années qu’elle exerce cette activité. Elle vient de réaliser 13 cycles dans le programme de microcrédit de l’IMF Hekima. Sa famille vit de cette activité d’autant plus que les fonctionnaires de l’Etat congolais ne sont pas régulièrement payés et quand ils sont payés, ils reçoivent de rémunération très médiocre qui ne leurs permet pas de couvrir l’ensemble de tout le mois ni de faire des économies ni de réaliser une épargne. Ce nouveau crédit doit lui servir de s’approvisionner avec les matières premières pour la fabrication de ce jus mandrakwa (5 sacs maïs, 50 kg millet, 50 kg farine, 50 kg sorgho, bois de chauffage, etc.). En plus, elle ambitionne pérenniser son entreprise et scolariser dignement ses enfants. La cliente remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes non bancables.Il sied de signaler que, l’une des clientes porte un bébé au dos.

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
  • 17
    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 Ufalme Group's $4,125 loan helped a member to buy the ingredients needed to make Mandrakwa juice (5 sacks of maize, 50 kg of millet, 50kg of flour, 50kg of sorghum, some firewood, etc.).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 27, 2012
Oct 11, 2012
Currency Exchange Loss:
Feb 15, 2013