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Les Scribes Group
In this Group: Raymond, Charles, Fabrice, Luck, Divine
Raymond is a shopkeeper and the president of the borrowing group "Les Scribes" ("the scribes.") He is a dynamic, 33-year-old unmarried entrepreneur who sells food products. He displays his products at a stand on the road in a busy neighborhood where he has acquired his customer base.

Raymond began his business with initial funds received from his parents. Later, he received a loan from the microfinance organization Hekima. He has been in business for 4 years.

This new loan will allow him to purchase 3 bags of traditional flour, 2 cartons of Nido milk, 1 carton of wine, 3 cartons of juice, 2 cartons of water, etc. With this, he hopes to be able to purchase land and build on it, to educate his little brothers, and to better prepare for his future.

In closing, he sincerely thanks Hekima for their support of small business entrepreneurs not eligible for traditional banking, especially during this difficult period of conflict in the eastern part of the country.
View original language description ↓
Le client Raymond est un commerçant et président du collectif d’affaires «Les scribes», entrepreneur, dynamique, âgé de 33 ans et célibataire. Le client est vendeur des produits d’alimentation. Elle installe sa marchandise dans une mini alimentation sur la route dans un Quartier animé, où, elle a su gagner sa clientèle. Elle commença ses affaires avec le premier capital reçu de ses parents. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 4 ans qu’elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 3 sacs de farine de format, 2 cartons du lait Nido, 1 carton de vin, 3 cartons de jus, 2 cartons d’eau vive, etc. Ainsi, il souhaite acheter une parcelle et la construire, scolariser ses petits frères et mieux préparer son avenir. Au finish, il remercie fortement Hekima pour l’autonomisation des petits et petites entrepreneurs exclus du système bancaire classique, surtout ; pendant ce moment difficile des conflits dans la région de 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
  • 6
    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 Les Scribes Group's $5,000 loan helped a member to purchase 3 bags of traditional flour, 2 cartons of Nido milk, 1 carton of wine, 3 cartons of juice, and 2 cartons of water.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 10, 2013
Dec 21, 2013
Currency Exchange Loss:
Jul 17, 2014