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Afya Group
In this Group: Petrolina, Vumilia, Vumilia, M'buroko, Theresa, Esther, Msafiri, Clay, Bisimwa, Mabangala, Bisimwa, Buchuliro, Rosette, Ombeni, Bateyi, M'kalimbiro, Seretina, Vesiyana, Mbugha, Rutega, Kahongu, Munyonga, Mashikali, Baguma, Chishugi, Awezaye, Mwenge, Kavira, Chishugi, Matabaro, Masirika, Christine, Fundi, Musamuguma, Veciana, Bibiche
Vumilia is the president of the community borrowing group Afya, an experienced entrepreneur and businesswoman, and the mother of 9 children, some of whom attend school and others who already have their own households. Her husband is an evangelical minister in a local church. Vumilia is a seller of manioc and corn flours. She sets up her wares in the public market and sometimes from her home.

Vumilia began her business with her own funding received from her husband, as well as from savings that she had accumulated in her previous business selling stones (gravel and pebbles) that she gathered outside. Later, she received a loan from the microfinance organization Hekima. She has been in the flour selling business for about 10 years.

This new loan will allow Vumilia to purchase 1 bag of manioc flour and 1 bag of corn flour. With this, she hopes to grow her business, and to provide food and schooling and build a house for her children. In closing, she is extremely grateful to Hekima for their support of small businesses through microcredit.
View original language description ↓
La cliente Vumilia e présidente du groupe communautaire de crédit « Afya», senior entrepreneur, expérimentée et mère de 9 enfants parmi les quels certains étudient et d’autres ont déjà leurs foyers. Son conjoint est un pasteur évangéliste dans une Eglise locale. La cliente est vendeuse des farines de Manioc et de Maïs. Elle installe ses marchandises au marché public et parfois à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari et de son épargne qu’elle s’était constituée dans une activité de vente de pierres (graviers ou cailloux), qu’elle ramassait dans la nature. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a environ 10 ans qu’elle exerce cette activité de vente de farine. Ce nouveau crédit va lui servir d’acheter 1 sac de farine de Manioc et 1 sac de farine de Maïs. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir et construire une maison pour ses enfants. 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
  • 9
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,515,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Afya Group's $4,200 loan helped a member to purchase 1 bag of manioc flour and 1 bag of corn flour.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 30, 2013
Sep 11, 2013
Currency Exchange Loss:
Jan 18, 2014