The Journal KOBETA
Analysis, methods and field stories for women entrepreneurs and their partners in the DRC.
FINANCE · PEOPLE · POSSIBILITIES
B2B Payment Terms: Protecting Cash Flow When Clients Pay in 30 Days
A Lubumbashi consultant signs a 1,500 USD engagement. She collects 450 USD at kickoff and waits 30 days for 1,050 USD: here is how to manage the gap.
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The latest perspectives
Package vs Per-Session Billing: Securing Your Margin in Premium Services in Kinshasa
A fitness coach in Gombe sells 10 sessions for 350 USD. Deposit, facility fees, balance due: here is how she knows what she really keeps.
1 min read · October 18, 2026Read article
From informal business to microcredit: building a verifiable financial history in Kinshasa and Kolwezi
Without a financial history, access to credit is difficult. A few months of well-recorded transactions can help women entrepreneurs make their case to microfinance institutions.
1 min read · October 17, 2026Read article
Making deposits standard: how service providers can protect their cash flow
For hairdressers, dressmakers and caterers, extending credit to customers can weaken cash flow. A consistent deposit policy protects the business and the relationship.
1 min read · October 16, 2026Read article
Formalization without penalties: why KOBETA’s cash-recording approach is changing the game in the DRC
Formalization can feel like an added burden. KOBETA starts with what women entrepreneurs already do: keeping track of money coming in and going out.
1 min read · October 15, 2026Read article