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Zabayo Group
In this Group: Safi, Birori, Hitimana, Bagheni, Alphonsine, Kavira, Alisa, Euge, Mateburano, Bienda, Kwitonda, Germanie, Polepole, Kahindo, Buhendwa, Shamambo, Siivi, Soki, Bahunde, Kabumba, Amuli, Kakundi, Mushengezi, Rusi, Dusabe, Kriso, Tantine, Germaine, Kasekuro, Skolastic, Devote
Safi is the leader of the business group Zabayo. At age 50, she is the eldest member of the group, and an experienced entrepreneur. She is the married mother of nine children; some of them have started their own families, and others still attend school. Her spouse is a public school teacher.

Safi sells beans, flours and other products at the market, and sometimes by the roadside. She started this business 30 years ago with funding given by her husband. This new loan will allow her to buy three sacks of beans, one sack of cassava flour, etc.

The current level of insecurity in rural areas occupied by rebels and armed groups represents a major obstacle to the success of her activity.

She wants to bolster her working capital and provide for her children’s education.

Safi is very thankful for Hekima’s support of small entrepreneurs through micro-financing.

Photo: It should be noted that some of the group members are carrying their babies.
La cliente Safi est leader du groupe d’affaire « Zabayo », doyenne du groupe, entrepreneur expérimentée, âgée de 50 ans, mariée et mère de 9 enfants dont certains ont déjà leurs familles respectives et d’autres étudient encore. Son conjoint est un enseignant dans une école publique. La cliente est vendeuse des haricots, farines, etc. Elle installe ses produits au marché ; mais aussi parfois au long de la rue. Elle commença ces affaires avec son fonds propre reçu par son mari. Il y a 30 ans, elle fait ce petit commerce. Ce nouveau prêt va lui servir d’acheter 3 sacs des haricots, 1 sac de farine de manioc, etc. L’insécurité dans les zones rurales occupées par les rebelles et groupes armés sont obstacles majeurs pour le développement de son activité. Ainsi, elle souhaite accroitre son capital, scolariser ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs. 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
  • 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 Zabayo Group's $2,925 loan helped a member to buy 3 sacks of beans, one sack of cassava flour, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 20, 2013
Jun 28, 2013
Currency Exchange Loss:
Nov 17, 2013