Kashozi Bahingi Twetungure Group
Jeska has been in the business of selling used clothing for 13 years, but her business has undergone many changes during that period. Jeska started as a secondhand clothes hawker, with capital of 72,000 USH, in 1994 after the death of her husband. By 1995, her capital had increased to 90,000 USH with additional assets of two goats. She bought one of these goats at 8,000 USH and the other at 15,000 USH. In 1996, with her increased capital--it had reached 150,000 USH by then--she shifted her business operations to a market called Kizinda along the Mbarare. After that change, she acquired a third goat at 25,000 USH.
These days Jeska is able to earn 144,000 USH profit per month. Jeska says that she is successful in her business because she is very honest and because she is able to be very convincing when communicating with her clients. She hopes that this style of business will allow her to become a wholesale supplier of used clothing. She says the major challenges to her business include transporting her goods to different markets--she tries to sell in three different markets each week. There is also the risk of thieves on route to the markets and just generally reaching strategic selling points.
Jeska has accomplished a lot with her family as well as her business. In 1997, she was able to send her only child to Birungi Nursery School. After completing a few years there, her daughter went to a government-aided school called Kashozi Boarding Primary School. In 2007, her daughter joined Kashenyi Crane High School, a private school for secondary education. Jeska hopes that her daughter will be able to continue all the way up to university level.
Today Jeska is requesting a loan of 200,000 USH. This loan will primarily be used to pay school fees for her children.
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.
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Success!! The loan was 100% repaid