Twende Mbele Group
Jeannine Kabuo Tahirana sells second hand shoes at the central market of Virunga,she set up her small business with her own money ,a sum of about 50$ that she received from her husband. At that time she was selling fritters. After the eruption of the Nyiragongo volcano from the 16th to the 17th of February 2002 which completely destroyed the economy and the basic infrastructure of the town of Goma, and of which she was one of the victims, she decided to change her activity and sell second hand shoes. She has been doing this for 8 years. With the loan from the IMF Hekima, Jeannine Kabuo Tahirana hopes to increase her turnover by buying 75 pairs of used shoes .The main challenge of this activity is that the sale of merchandise (buying of shoes) depends on the availability of money (the revenue of the population).In addition the competition of shoes made in Uganda/Kampala disrupts the prices.
Jeannine Kabuo Tahirana also practises small artisan activities, she weaves carpets to increase her income. In 10 years time, she hopes to become a wholesaler and no longer a small retailer. She aims to obtain her stock from the big commercial centre in either Kampala or Butembo.
In addition, Jeannine Kabuo Tahirana is a tenant, she would like to buy a piece of land and build on it since her husband works a long way away from her, and this would allow her to reduce the burden of the family expenses.
Jeannine Kabuo Tahirana is grateful to the IMF Hekima for the loans that she receives without any physical security ,for thanks to these loans she can manage to provide for her children. This Twende Mbele group is made up of 14 women members one of whom is ill (J. Matunda) and E. Kavira who are not on the group photograph, which is why there are only 12 clients on the photograph.
Kabuo Tahirana Jeannine vend des souliers usagers dans le marché central de Virunga, elle a commencé son petit commerce avec son fonds propre environs 50$ qu’elle a reçu de son mari. Pendant ce temps, elle vendait des beignets. Après l’éruption du volcan Nyiragongo du 16 au 17 février 2002 qui a détruit complètement toute l’économie et infrastructure de base de la ville de Goma dont elle fut victime, elle a décidé de changer l’activité pour vendre les souliers usagers. Il y a 8 ans qu’elle exerce cette activité. Avec le crédit de l’IMF Hekima, Kabuo Tahirana jeannine souhaite augmenter son chiffre d’affaire en achetant 75 pairs de souliers usagers. Le grand défi de cette activité est que l’écoulement de marchandise (achat de souliers) dépend de circulation de l’argent (revenu de la population). En outre la concurrence des souliers fabriqués en Ouganda/ Kampale perturbe le prix.
En outre,Kabuo Tahirana jeannine fait des petits métiers artisanaux, elle tisse des tapis pour augmenter ses revenus.
Dans le 10 ans, elle ambitionne devenir commerçante grossiste et non plus petite commerçante détaillante. Elle compte s’approvisionner à la source dans le grand centre commercial soit à Kampala ou soit à Butembo.
En plus, Kabuo Tahirana jeannine est locataire, elle aimerait acheter une parcelle et construire, étant donné que son mari travaille loin d’elle, ceci lui permettra de d’amoindrir les poids de la charge familiale.
Kabuo Tahirana jeannine remercie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir aux besoins de ses enfants.
Ce groupe Twende Mbele est composé de 14 membres femmes dont 1 malade (cliente Matunda J.) et cliente Kavira E. n'ont pas été visibles sur la photo du groupe. D’où 12 clients visibles sur la photo.
More information about this loan
Important InformationHEKIMA 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.
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