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Espérance Group
In this Group: Mwabusa, Dada, Cimanuka, Manyurba, Takubosoga, Amani, Kasketi, Musubao, Maheshe, Ponga, Mwetaminwa, Namukali, Mulaguze, Kajangu, Kanane, Nyakatundu, Buhendwa, Basemake, Kimbulungu, Shindano, Barole, Takubusoka, Barungu, Ikemo
Barole has been a determined retailer for seven years now, and is a member of the business group 'Espérance' (Hope). She is 54 years old, married and mother to eleven children, of whom six are studying and five are already married. She sells second-hand shoes at a market in the centre of town.

Barole has requested this loan from the field partner, Hekima, in order to expand her business. She plans to use her loan to buy three bags of second-hand shoes. Her husband has retired from his job in public administration, she started her business with money provided by him.

In the future, Barole would like to continue to educate and feed her children. She is grateful to Hekima for choosing to work with women entrepreneurs who are excluded from the classic banking system, and for offering unsecured loans. This is particularly important during this period following the conflict in the east of the country.
View original language description ↓
La cliente Barole est une vaillante commerçante depuis 7 ans et membre d’un collectif d’affaires «Espérance», entrepreneur, dynamique âgée de 54 ans, mariée et mère de 11 enfants, dont 6 étudient et 5 autres sont déjà mariés. Elle est vendeuse souliers usagés. Elle installe son business dans un marché centre de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 3 sacs de souliers. Son conjoint est un retraité de l’administration publique. Elle avait débuté avec de fonds reçu de son mari. Dans l’avenir, elle souhaite scolariser et nourrir ses enfants. Elle remercie Hekima pour avoir bien choisi sa cible, en apportant un soutien aux femmes entrepreneurs exclues du système bancaire classique, tout en leur accordant des crédits sans garantie matérielle, surtout, pendant, la période post conflits 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
  • 18
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,408,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Espérance Group's $10,000 loan helped a member to buy 3 bags of second-hand shoes for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 10, 2014
May 18, 2014
Currency Exchange Loss:
Sep 17, 2014