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Isaac Group
In this Group: Ngekema, Salumu, Lushombo, Salumu, Salumu, Botakile
Salumu, age 46, has been a reseller for 20 years. She is a member and the president of the business group “Isaac”. She is an experienced entrepreneur, and the widowed mother of 3 children who all go to school.

Salumu sells clothing. She runs her business from a shop at a local shopping center. She is seeking a loan from Hekima to bolster her activity. She plans to buy pants, dresses, children’s clothing, etc. She started her business with member dividends.

Her goals are to bolster her working capital, and to ensure that her children are fed and educated.

She wishes to thank the Hekima MFI for wisely choosing to offer financial assistance to male and female entrepreneurs who cannot use the traditional banking system and without asking for collateral, especially in these difficult times following the war in the Eastern region.
La cliente Salumu est une commerçante depuis 20 ans présidente et membre d’un collectif d’affaires « Isaac ». Senior entrepreneur, âgée de 46 ans, veuve et mère de 3 enfants, tous étudient. Elle est vendeuse divers habillements. Elle installe son business dans une boutique du centre commercial de la place. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter des pantalons, robes, complets pour garcons, filles, etc. Elle avait débuté avec de fonds reçu du ristourne. Dans l’avenir, elle souhaite accroitre son capital, scolariser et nourrir ses enfants. Elle remercie Hekima pour avoir bien choisi sa cible, en apportant un soutien aux hommes et femmes entrepreneurs exclus du système bancaire classique, tout en leur accordant des crédits sans garantie matérielle, surtout, pendant, la période post conflit dans la région de l’Est 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
  • 4
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,474,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Isaac Group's $9,000 loan helped a member to buy pants, dresses, children’s clothing, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 25, 2014
Currency Exchange Loss:
Sep 17, 2014