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Ufalme Group
In this Group: Chitema, Henriette, Julie, Josée, Luanda, Antoinette, Kahambu, Midumbi, Shiaofu, Nyarukewe, Bagaza, Kahombo, Solange, Karine, Egenia, Sebisityo, Muhombo, Kabuo, Buha, Mafuluko, Maerina, Bauma, Shamba, Bahizire, Lukongwe, Mburano, Asha, Kake
Bagaza has been a trader for four years, and is a member of the business group 'Ufalme'. She is thirty-five years old, and mother to six children. Four of her children attend school, and the other two are too young. Her husband is a teacher.

Bagaza sells various products from a stall at her home, on a busy avenue. She began her business with funds received from her husband.

She has requested a loan from the field partner, Hekima, in order to improve her business. She will buy twenty litres of oil, one sack of wheat flour, matches, one box of soaps, a sack of sugar, sweets, biscuits and iodized salt.

In the future, Bagaza would like to buy a plot of land and build a house. She would also like to feed and educate her children.

Bagaza thanks Hekima for supporting women entrepreneurs who are excluded from the traditional banking system.

In the photo, one of the clients is holding her child.
View original language description ↓
La cliente Bagaza est une commerçante depuis 4 ans et membre d’une association d’affaires « Ufalme», âgée de 35 ans et mère des 6 enfants dont, 4 étudient et 2 sont encore gamins. Elle est vendeuse des articles divers et sociétaire d’une boutique. Elle étale ses marchandises à son domicile sur la rue dans une avenue animée du Quartier. Elle sollicite un crédit auprès de Hekima, pour accroitre son entreprise. Son conjoint est un enseignant. Elle va acheter 20 litres huiles, 1 sacs de farine formant, les allumettes, 1 carton de savons, un sac de sucre, des bonbons, biscuits, sel iodé, etc. Elle commença avec de fonds reçu de son mari. Dans l’avenir, elle souhaite acheter une parcelle et la construire, scolariser et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique. Dans photo du groupe, une cliente porte ses bébés.

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
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,397,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ufalme Group's $3,325 loan helped a member to buy 20 litres of oil, 1 sack of wheat flour, matches, 1 box of soaps, 1 sack of sugar, sweets, biscuits and iodized salt.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 26, 2013
Jan 15, 2014
Currency Exchange Loss:
Jul 17, 2014