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La Joie Group
In this Group: Vumilia, Baseme, Maombi, Julienne, Nyirahabimana, Riziki, Pendeza, Josephine, Nsengimva, Bintu, Amida, Habanganimana, Zuena, Sifa, Kahindo, Kambale, Kibandja, Kitumaini, Kavira, Kahindo, Neema, Kakule, Ashina, Ntayisanya, Kamundu, Muhindo, Bahati
Vumilia is the vice president of the "La Joie" business group. A courageous and entrepreneurial woman, she is married and the mother of 12 children who attend school, and others who have their own households. Her husband is a farmer.

Vumilia sells beans and other food items. Her biggest challenge is due to the seasonal nature of her merchandise and possible bankruptcy. However, she remains optimistic about a better future. This new loan will allow her to buy 2 bags of beans. Finally, she would like to thank Hekima for its financial help.

Note: some customers in the picture are carrying their babies.
La cliente Vumilia est vice présidente du groupe d'affaire "La Joie". Femme courageuse, entrepreneur, mariée et mère de 12 enfants qui étudient et d'autres ont respectivement leurs propres foyers. Son conjoint est cultivateur. la cliente est vendeuse haricots et autres denrées alimentaires. Son grand défi est lié a la saisonnalité de ses marchandises et a la faillite. la cliente reste optimiste pour un futur meilleur. Ainsi, ce nouveau prêt va lui servir d'acheter 2 sacs haricots. Au finish, elle remercie Hekima pour son soutien financier.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
  • 22
    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 La Joie Group's $3,350 loan helped a member to buy 2 bags of beans.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 26, 2013
Mar 5, 2013
Currency Exchange Loss:
Jul 17, 2013