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Philadelphie Group
In this Group: Mongane, Kalaba, Chilaba, Julienne, Kampara, Kafulwa, Karuvanti, Buhendwa
The borrower, Julienne, has been a shopkeeper for 11 years. She is the president and a member of the "Philadelphie" business collective. She is a 40-year-old married mother of 7 children, 6 of which are receiving an education, the remaining child still being a baby. She sells second-hand shoes. She displays her wares on a street in one of the town's markets. She is requesting a loan from Hekima in order to grow her business. She plans to buy 500 pairs of second-hand shoes. Her partner is also a shopkeeper. She started her business with funds given to her by her husband. In the future, she is hoping to increase her turnover and to provide food and an education for her children. Finally, she would like to thank Hekima for the work their support of women entrepreneurs who are excluded from the established banking system by offering them loans without any material guarantees, especially during this difficult period of conflict in the east of the country.
View original language description ↓
La cliente Julienne est une commerçante depuis 11 ans, présidente et membre d’un collectif d’affaires « Philadelphie», âgée de 40 ans, mariée et mère de 7 enfants dont,6 étudient et 1 est encore gosse. Elle est vendeuse des souliers usagés. Elle étale son activité dans la rue dans un marché de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 500 paires de souliers usagés. Son conjoint, lui aussi, est commerçant. Elle commença avec de fonds reçu de son mari. Dans l’avenir, elle souhaite accroitre son chiffre d’affaires, scolariser et nourrir ses enfants. En définitif, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique, tout en accordant des crédits sans garantie matérielle, pendant la période 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
  • 3
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,497,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Philadelphie Group's $8,000 loan helped a member to buy 500 pairs of second-hand shoes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 23, 2014
Feb 4, 2014
Currency Exchange Loss:
Aug 17, 2014