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La Vérité Group
In this Group: Joséphine, Goreth, Shabani, Brigitte, Leocadie, Nicole, Alphonsine, Mashagiro, Georgette, Anuarite, Makoma, Regine, Vumilia, Mbusa, Shabani, Bahati, Kibirima, Beatrice, Ndimubanzi, Kasereka, Regina, Mbarushimana, Nicole, Vumiliya, Habumugisha, Mukiza, Kagwiza, Mahirane, Mundele, Chinaleraga, Bahati, Mpoze, Shabani, Kataliko, Jeanne, Ngoma, Ngolo
Joséphine is a trader and the president of the business group 'La Vérité' (The Truth). She is fifty-three years old and has ten children who all attend school. Her husband is a building mason.

Joséphine is a very dynamic entrepreneur and has a lot of experience in her business, having sold second-hand clothing for ten years. She sells her clothing from a position on a busy local road.

Joséphine has requested this loan from the field partner, Hekima, in order to expand her business. She will buy a parcel of second-hand clothing with her loan. Joséphine started her business with funds received from a savings group (tontine).

In the future, Joséphine would like to increase her working capital, and feed, clothe and educate her children.

She is grateful to Hekima for the support they provide to women entrepreneurs who are excluded from the traditional banking system, this is particularly valuable now, following the conflict in the east of the country.
View original language description ↓
La cliente Joséphine est une commerçante, présidente et membre d’un groupe d’affaires « La Vérité », senior entrepreneur, dynamique, âgée de 53 ans et mère de 10 enfants qui tous, étudient. Elle est vendeuse de friperie depuis 10 ans. Elle installe ses marchandises sur la rue dans une avenue animée de la place. Elle sollicita un crédit auprès de Hekima pour accroitre ses activités. Son conjoint est un technicien de construction(Maçon). Elle va acheter 1 ballon de friperie. Elle commença avec de fonds reçu de la tontine. Dans l’avenir, elle souhaite accroitre son capital, scolariser, vêtir et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique, surtout; pendant ce moment critique poste conflit 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
  • 3
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,359,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of La Vérité Group's $3,825 loan helped a member to buy a parcel of second-hand clothes for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 10, 2014
Jan 17, 2014
Currency Exchange Loss:
Jun 17, 2014