Kungwa Wilondja M. T. is the secretary to the Faida group. She is 48 years old, married and the mother of 10 children. Her husband is a minister, a servant of God in the Pentecostal community, 8th CEPAC (Pentacostal Community of Central Africa), in the city of Goma, Virunga parish. Her oldest son is 26 years old and the youngest is 7. Her 8 children are in school, except for one who has a chronic illness and another who has voluntarily taken time off. She has been selling sweet potatoes for 3 years. She started her business with around $20 provided by her husband. She displays her merchandise at a sales place on the street in the Kasika district, No. 1 Lualaba Avenue. This loan will enable her to buy 200 kg of sweet potatoes for $40 and increase her sales. The remainder of the loan will be used to pay for her children’s school expenses and to save for a rainy day. Sometimes she finds rotten potatoes as a result of poor preservation. She wants to change her business and buy a knitting machine. For her family, she wants to be able to easily send her children to school. Client Kungwa Wilondja M. T. thanks Hekima for its actions in favor of poor citizens excluded from traditional banks. It is noted that the Faida group is composed of 23 members and that clients Kahindo S. and Kahindo Luvatsungana are absent but represented by their respective husbands.
Kungwa Wilondja M. T. est secrétaire du groupe Faida, âgée de 48 ans, mariée, mère de 10 enfants, son mari est pasteur, serviteur de Dieu dans une communauté pentecôtiste 8e CEPAC dans la ville de Goma, paroisse de Virunga. Son fils ainé a 26 ans et le cadet a 7 ans. ces 8 enfants étudient, sauf un enfant qui a une maladie chronique, un autre qui a pris un repos volontaire. Il y a 3 ans révolus qu’elle vend les patates douces. Elle a commence avec ses fonds propre reçu de son mari environ 20$. Elle expose ses marchandises dans un point de vente, sur la rue, dans le quartier Kasika, avenue lualaba n01. Ce crédit va lui permettre d’augmenter son chiffre d’affaire en achetant 200 kg de patates douces pour 40$, les restes vont servir pour payer les frais scolaires de ses enfants et l’épargne pour prévenir la chute. Parfois, elle connait des pourritures de patates suite aux mauvaises conservations. Elle souhaite changer l’activité et acheter une machine tricoteuse. Et pour sa famille, elle veut scolariser confortablement ses enfants. La cliente Kungwa Wilondja M. T. remercie Hekima pour ses actions en faveur de pauvres citoyens exclus de banque classique. Il sied de signaler que ce groupe Faida est composé de 23 membres et que les clientes Kahindo S. et Kahindo Luvatsungana sont absentes mais représentées respectivement par leurs maris.
More information about this loan
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.