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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, Kavyavu, Mutangi, Kamwanya, Kakule, Desanges, Musukali, Kageni, Muhongya, Nsimire, Muheni, Tsongo, Tsongo, Amisi, Chiza, Kabuo, Swedi, Ngabo, Kisando, Muhongya
Kavyavu is a good and honest merchant and member of a business group called “Wariti”. A senior entrepreneur and energetic, she is 52 years old and the mother of eight children, who are all in school. This client is a vendor of ’pagnes’ (the colorful cloth of western Africa). She sets up her merchandise at the town’s central market. She started her business with assistance from her husband. Her husband is a teacher.

Later on, she benefited from a loan from the microfinance institution Hekima. She has been in this business for twenty years. This new loan will be used to purchase 80 lengths of ‘pagne’ cloth. Thus, she would like to increase her capital, build a house, and provide schooling and food for her children.

In conclusion, she thanks Hekima very much for promoting autonomy for unbanked women entrepreneurs, especially during this critical time post-conflict in the country’s east.
View original language description ↓
Kavyavu est une brave commerçante et membre d’un groupe d’affaires « Wariti », senior entrepreneur, dynamique, âgée de 52 ans et mère de 8 enfants, tous étudient. La cliente est vendeuse des pagnes. Elle installe ses marchandises dans le marché central de la ville. Elle commença ses affaires avec l’assistance de son mari. Son conjoint est un enseignant. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 20 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 80 pièces de pagnes. Ainsi, elle souhaite augmenter son capital, construire une maison, scolariser, et nourrir ses enfants. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout; pendant ce moment critique post conflits à 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
  • 16
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,961,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Wariti Group's $6,300 loan helped a member to purchase 80 lengths of 'pagne' cloth.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 25, 2014
Aug 17, 2014
Currency Exchange Loss:
Jan 17, 2015