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Joyeuse Group
In this Group: Abdou, Siherya, Florence, Muhima, Ndanga, Denise, Lucie, Charles, Darcise, Ngoa, Claudine, Miriam, Florence, Rachel, Feli, Kisuba, Mahamba, Kizungu, Alphonsine, Musalambi, Scol, Benita, Muhombo
The borrower, named Muhombo, has been working in retail for the past 16 years. She is 43 years old and married. She is also a member and the adviser of the "Joyeuse" business group. She sells various used clothing and displays her merchandise at one of the markets, in town. She is requesting a loan from Hekima in order to increase her business. She is going to buy two bales of used clothes.

Muhombo started her business with some money received from her husband. She and her husband work closely together as he is also involved in retail. In the future, she would like to take more loans, educate and feed her children. She thanks Hekima for providing microloans and supporting entrepreneurs with no access to the traditional banking system, particularly during this post-conflict period in Eastern Congo.
View original language description ↓
La Cliente Muhombo est une commerçante d’une expérience de 16 ans, âgée de 43 ans, mariée, conseillère et membre d’un collectif d’Affaires «Joyeuse». Elle est vendeuse de friperie(divers habits). Elle installe ses marchandises dans un marché de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 2 ballons de friperie. Elle démarra ses affaires avec le fonds reçu de son mari. Dans son travail, elle s’entraide avec son mari, comme lui aussi est commerçant. Dans l’avenir, elle souhaite accroitre son crédit, scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux entrepreneurs non bancables en leur accordant de microcrédit, pendant, ce moment de post 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
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,965,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Joyeuse Group's $8,600 loan helped a member to buy two bales of used clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 17, 2014
Apr 18, 2014
Currency Exchange Loss:
Aug 17, 2014