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Umoja Ni Nguvu Group
In this Group: Murula, Mamboleo, Mwikiza, Nabintu, Nyalulera, Kito Kalimbiro, Mafranka, Byenda, Namavu, Kapoyo, Lukenge, Mulemwa, Avogo, Chibalonza, Esther, Baliahamwabo, Siuzike, Birizene, Murhula, Nabintu, Kahambu, Saidi, Byenda, Mapenzi, Barhacizanya, Kasika, Kabuo, Denize, Bijirwa, Baderha, Amani, Bahati
Kito Kalimbiro, the president of the business association Umoja Ni Nguvu, is a young entrepreneur, 30 years old, married and the mother of 9 children of whom only 3 attend school as she does not have the financial means to send the others. Her partner is a fuel merchant (petrol, gasoline, kerosene, etc.)

Kito Kalimbiro is a vegetable merchant. She began this business with funds supplied by her husband. Later, she received additional financing from the microfinance organization IMF Hekima. She began her business 10 years ago.

This new loan will allow Kito Kalimbiro to purchase vegetables for resale. Damage to crops and droughts are major challenges for this business. Kito Kalimbiro hopes to increase her capital and to educate her children. In closing, she heartily thanks Hekima for their support in microfinance.
View original language description ↓
La cliente Kito kalimbiro est présidente du groupement d’affaire Umoja ni nguvu, jeune entrepreneur, âgée de 30 ans, mariée et mère de 9 enfants dont 3 étudient et les autres n’étudient pas faute de moyens financiers. Son conjoint est un vendeur de carburant (pétrole, gazole, kérosène, etc.). La cliente est vendeuse de légumes. Elle commença cette affaire avec son fonds propre reçu de son mari. Plus tard, elle bénéficia des fonds additionnels de crédit de l’IMF Hekima. Il ya 10 ans, elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter les légumes à marchander. Les détériorations, et sécheresses sont de défis majeurs pour son activité. Elle souhaite accroitre son capital, scolariser tous ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit.

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
  • 12
    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 Umoja Ni Nguvu Group's $3,600 loan helped a member purchase vegetables.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 26, 2013
Apr 18, 2013
Currency Exchange Loss:
Aug 17, 2013