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Fraternel Group
In this Group: Basheka, Tumaini, Furaha, Chibalonza, Mogo, Bashwira, Dorcas
The borrower, Tumaini, is a retailer with 11 years of experience in her field of work. She is 39 years old, married, and the mother of seven children who all attend school. She is also a member and the president of the "Fraternel" business group. She sells pharmaceutical products, which she displays inside a pharmacy located along the side of her city's main road.

Tumaini is requesting a loan from Hekima in order to boost her business. She plans to use this loan to buy boxes of medications such as antibiotics and anti-inflammatory drugs. She started in this business with some money received from her husband who also works in retail.

In the future, Tumaini would like to finish building her house. She also wants to be able to contribute to her family's food expenses and continue to send her children to school. She thanks Hekima for the support it provides, in the form of microcredit, to female entrepreneurs who are excluded from the traditional banking system, especially during this post-conflict period in the eastern part of the country.
View original language description ↓
La Cliente Tumaini est une commerçante d’une expérience de 11 ans, âgée de 39 ans, mariée et mère de 7 enfants, qui tous étudient. La cliente est présidente et membre d’un groupe d’Affaires «Fraternel». Elle est vendeuse des produits pharmaceutiques. Elle installe ses marchandises dans une pharmacie sur la route principale de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter des boites de médicaments modernes(Antibiotiques, anti-inflammatoires etc.). Elle démarra ses affaires avec le fonds reçu de son mari. Son conjoint est un commerçant. Dans l’avenir, elle souhaite achever sa maison, scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables en leur accordant de microcrédit, pendant, ce moment 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
  • 6
    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 Fraternel Group's $10,000 loan helped a member to buy boxes of medications such as antibiotics, anti-inflammatory drugs etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 27, 2014
Jul 17, 2014
Currency Exchange Loss:
Feb 20, 2015