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Sinai Group
In this Group: Bikuba, Kiyoyo, Tulinabo, Kaligana, Kaskete, Olivier, Bitashengwa, Nzabonimpa, Kahiro, Babanga, Sadiki, Kajabika, Kaningu, Nyamusisi, Cirulwire, Francine, Furaha, Makonga, Regine, Chiza, Maliabo, Lisani, Materanye, Kamate, Tsongo, Thopo, Bulakwa, Ndende, Kandeke, Mbogo, Kiko
Kaskete, age 47, is a treasurer for the loan collective Sinaï. She is an experienced and dynamic entrepreneur, and the mother of 8 children who all attend school. Her spouse is unemployed, although he occasionally earns a small commission on the sale of land.

Kaskete is part owner of a booth where she sells various goods. She sets up the booth in a busy area of her neighborhood. She started her business with support from her husband, and later received a loan from the Hekima MFI. She has been conducting this activity for seven years.

Kaskete will use this new loan to buy various merchandise (2 bags of sugar, 1 jug of table oil, some matches, 2 boxes of candy, 2 boxes of cookies, 1 case of Fanta, 1 carton of juice, 1 box of lotion, some soap, 6 pagnes, 10 pairs of shoes and more.).

Her goals are to support her children’s education, expand her business and build a house. The challenges she is facing in developing her activity include selling on credit and exchange losses.

Kaskete wishes to extend her sincere thanks to the Hekima MFI for helping businesswomen excluded from traditional banking to become self-sufficient, especially in these critical times of war in the Eastern region.
La cliente Kaskete est une trésorière du collectif de crédit « Sinaï », senior entrepreneur expérimentée, dynamique, âgée de 47 ans et mère de 8 enfants qui étudient tous. Son conjoint est sans emploi,toute fois, il réalise parfois de petites commissions sur la vente de parcelles. La cliente est sociétaire d’un kiosque(une vendeuse de divers). Elle installe son kiosque à un point de vente animé de son quartier. Elle commença ses affaires avec l’assistance de son mari. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 7 ans qu’elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter les divers (2 sacs de sucres, 1 bidon d’huile de table, allumettes, 2 box de bonbons,2 box de biscuits,1 casier de Fanta,1 carton de jus,1 box de lotion,savon de toilette,6 pièces de pagnes,10 paires de souliers, etc.). Ainsi, elle souhaite scolariser ses enfants, étendre son projet de commerce et construire une maison. La vente en crédit et les pertes de change sont de défis pour le développement de son activité. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout ; pendant ce moment critique de guerre à l’Est du pays.

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
  • 11
    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 Sinai Group's $6,525 loan helped a member to buy 2 bags of sugar, 1 jug of table oil, some matches, 2 boxes of candy, 2 boxes of cookies, 1 case of Fanta, 1 carton of juice, 1 box of lotion, some soap, 6 pagnes, 10 pairs of shoes and more.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 6, 2013
Currency Exchange Loss:
Mar 17, 2014