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Etoile Group
In this Group: Bahati, Yema, Esperance, Vichy, Rehema, Tambwe, Ntaliza, Faida, Chimanuka, Kashira, Kyavaranga, Mahemba, Noela, Regine, Misati, Hamuli, Djafari, Hategeka, Murhimbo, Jeannine, Kayego, Samuel, Baziki, Shapo, Muhigwa, Furaha, Mwaindja, Kwankura, Sara, Busezi, Mihako, Mikindo, Kavira, Kisuba, Hamuli, Ngabo
Hekima client Regine is the vice-president of the business assocaition called «Etoile» and an experienced entrepreneur. Aged 50, she is married and the mother of two children who are both studying. Her husband is a teacher in a secondary school. She herself sells fish. She displays her goods at the public market and sometimes at her home.

She began the business with her own money that she had received from her husband, about four years ago. This new loan will allow her to buy four baskets of fish. In this way, she hopes to grow her business, feed her children and keep them in school, and buy a plot of land. She thanks Hekima sincerely for its support in terms of micro-loans to small entrepreneurs.
View original language description ↓
La cliente Regine est vice présidente du collectif d’affaire «Etoile», entrepreneur expérimentée, âgée de 50 ans, mariée et mère de 2 enfants qui étudient tous. Son conjoint est un enseignant dans une école secondaire. La cliente est vendeuse de poissons. Elle installe ses produits au marché public et parfois à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari, Il y a environ 4 ans. Ce nouveau prêt va lui servir d’acheter 4 paniers de poissons. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses enfants et acheter une parcelle. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs.

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
  • 8
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,466,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Etoile Group's $6,975 loan helped a member to buy four baskets of fish.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 24, 2013
Jul 13, 2013
Currency Exchange Loss:
Dec 17, 2013