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Wariti Group
In this Group: Kambototo, Kakuze, Mwanamolo, Muswagha, Sivyaseherwa, Kahemu, Ruth, Lea, Kalungero, Lubira, Siherya, Mwaka, Feliciane, Olipe, Riziki, Vuseghesa, Marigorette, Mutangi, Musukali, Rita, Desanges, Musukali, Kageni
Lubira has been a merchant for 16 years and is a member and the president of the Wariti group. She is a dynamic entrepreneur, 58 years old, a widow, and a mother of eight children, who all go to school. Lubira sells salted fish. She started this business with funds from her family. She displays her goods in a central town market.

She is seeking a loan though Hekima in order to increase her business. [With this loan] she is going to buy two sacs of fish.

In the future, Lubira wishes to increase her capital, build a house, and feed and school her children.

She thanks Hekima for their support of female entrepreneurs who lack access to banking services.
View original language description ↓
La cliente Lubira est une commerçante depuis 16 ans, présidente et membré de la banque communautaire «Wariti», entrepreneur dynamique, âgée de 58 ans, veuve et mère de 8 enfants qui tous étudient. Elle est vendeuse des poissons salés. Elle étale sa marchandise dans le marché central de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 2 sacs de poissons. Elle commença ses business avec de fonds reçu de sa famille. Dans l’avenir, elle souhaite accroitre son capital, construire une maison, scolariser et nourrir ses enfants. Elle remercie Hekima pour le soutien, qu’elle apporte aux femmes entrepreneurs non bancable.

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
  • 2
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,515,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Wariti Group's $5,100 loan helped a member to buy two sacs of fish.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 17, 2014
Apr 20, 2014
Currency Exchange Loss:
Aug 17, 2014