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Karibu Group
In this Group: Julienne, Kashumu, Regine, Bulenda, Bulenda, Kanyefishi, Malanda, Muhaya, Timothee, Bahati, Kyeya, Salama, Ndehya, Hamuli, Nzuva, Nshutineza, Habimana, Tamari, Nyiransabimana, Muvunga, Mburano, Sofia, Nyirangiranuye, Mnonagaba, Ruboniboni, Furaha, Wivine, Bisebiza, Everina, Wasingya, Bahati, Bikwekwe, Ntibanshakiye, Muzuka, Hakizobango
Sofia, the customer, is an advisor to the "Karibu" business group. A dynamic and experienced entrepreneur, she is 45 years old and the mother of 9 children who all attend school. Her spouse is a fisherman (and shipowner).

Sofia sells oil and cassava flour. She offers her products to customers at the market and, occasionally, at home. She started her business about 10 years ago with her own funds, received from her husband. This new loan will be used to buy 2 cans of oil and a bag of cassava flour. She would like to increase her business, to feed her children and ensure they get an education, and to build a nice house. The lack of sufficient capital is the main challenge to the growth of her business. Finally, she would like to strongly thank Hekima for its support of small entrepreneurs in the form of microloans.
La cliente Sofia est conseillère du collectif d’affaire « Karibu», entrepreneur dynamique expérimentée, âgée de 45 ans et mère de 9 enfants qui étudient tous. Son conjoint est un pécheur (armateur). La cliente est vendeuse d’huile et de la farine de manioc. Elle installe ses produits au marché, parfois à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari, il y a environ 10 ans. Ce nouveau prêt va lui servir d’acheter 2 bidons d’huile et 1 sac de farine manioc. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses enfants et construire une belle maison. L’insuffisance du capital constitue un défi pour le développement de son activité. 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
  • 2
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,512,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Karibu Group's $2,625 loan helped a member to buy 2 cans of oil and 1 bag of cassava flour.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Aug 10, 2013
Currency Exchange Loss:
Dec 17, 2013