ManZ. B. is the treasurer of the group, Baraka Alanine. She is 38 years old, married, and the mother of 2 children. Her husband is a plastic basin salesman at the Kibabi-Birere sectoral market. Her eldest son is in his second year of primary school and her second is in nursery school. Just after the eruption of the Nyiragongo Volcano, which would have completely destroyed the city of Goma in 2002, she her business with her own funds gotten through the sale of various household items, notably plates, saucepans, forks, etc. Later, she benefited from a loan from Hekima in 2006, to strengthen her shop. She displays her merchandise in the sectoral market of Alanine. This new loan will serve to restock certain merchandise, notably the blue uniform pants for students at the beginning of the school year here in the beginning of September 2010. She wishes to build a more spacious house and to comfortably fund her children's schooling. She also aspires to have a boutique room for her merchandise. The client ManZ. B. thanks Hekima for its actions to aid poor citizens excluded from classical banks. It may be noted that the group Baraka Alanine is made up of 21 members, mostly women and one man, Mr. Jules L., who was not present at the time the group photo was taken. This man is the president of the sectoral market of Alanine.
ManZ. B. est trésorière du groupe Baraka Alanine, âgée de 37 ans, mariée, mère de 2 enfants, son mari est vendeur de bassin plastic au marché sectoriel de Kibabi-Birere. Son fils ainé est 2e primaire et le second fait l’école maternelle. Juste l’après l’éruption du volcan Nyiragongo, qui aurait complètement détruit la ville de Goma en 2002, elle commença son business avec son fond propre par la vente des divers objets ménagers notamment des assiettes, casseroles, fourchettes, etc. plus tard, elle bénéficia du crédit de Hekima en 2006 pour renforcer son business de commerce. Elle expose ses marchandises dans le marché sectoriel Alanine. Ce nouveau crédit doit lui servir d’approvisionner certaines marchandises notamment les pantalons uniformes bleus pour les écouler à la rentrée scolaire d’ici début septembre 2010. Elle souhaiterait construire une maison un peu spacieuse et faire scolariser ses enfants confortablement. En plus, elle ambitionne avoir une chambre boutique pour ses marchandises. La cliente ManZ. B. remercie Hekima pour ses actions en faveur de pauvres citoyens exclus de banque classique. Il sied de signaler que ce groupe Baraka Alanine est composé de 21 membres, majoritairement femmes dont un homme , monsieur Jules L. n’a pas été présent lors de prise de photo du groupe. Cet homme est le président du marché sectoriel Alanine.
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.