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This MFI, based in Goma and also operating in Bukavu and Kalemie, is still small in size but particularly high-performing and fast-growing. It primarily targets female entrepreneurs, notably through group loans, in urban areas only, given the risk and the informal nature of agriculture.
The largest country in Africa, the DRC is brimming with resources of all kinds (mineral, agricultural, pedo-climatic) and has great development potential, but its level of governance is particularly weak and corruption is very high. In Kivu, insecurity has prevailed for three decades and has been on the rise again since the beginning of 2022. This weighs heavily on activities, especially in Goma. Nevertheless, human capital is very high, resilience is strong, and social engagement is significant.
HEKIMA’s impact is very high among female traders in Goma and Bukavu, and its reputation is overall excellent. Its deeply rooted Christian values legitimize its activities and allow for rapid development in the MSME/individual niche, helping to balance the portfolio. Ongoing work on digitalization and cooperation with a coffee cooperative partnered with SIDI (MUUNGANO) are all elements showing their capacity to innovate and maximize impact.
