Hodari P. est an entrepreneur and the leader of the Tuamke group. présidente du groupe Tuamke. She is 34 years old and has 4 children, all of whom are doing good progress in their studies. Her husband is a plumber. Her business is selling staple foods (beans and corn). She had launched this business with her own starting capital of aorund 50 dollars, received from her husband. She has been in business for 4 years. Later on, she obtained a loan from IMF Hekima. She displays her wares at the local market of the Majengo sector. This new loan will allow her to buy two bags of beans from Rutshuru, a rural agricultural area in Nord Kivu. In addition, her goal is to start construction works on her two plots of land already purchased. As a Hekima client, Hodari Pascalina appreciates its work in providing support to the poor who don't have access to the traditional banking system. It should be noted that the Tuamke group is composed mainly of women.
Hodari P. est entrepreneur, présidente du groupe Tuamke, âgée de 34 ans, mère de 4 enfants, tous étudient confortablement. Son mari est plombier. Elle fait le petit commerce de vivres (haricots et maïs). Elle commença son business avec son fonds propre reçu de son mari, d’environ 50$. Il ya 4 ans, qu’elle est en activité. Plus tard, elle bénéficia de crédit de l’IMF Hekima. Elle installe ses produits au marché sectoriel de Majengo. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs de haricots vers Rutshuru, zone agro rurale du Nord Kivu. En plus, elle ambitionne construire dans ses 2 parcelles acquises déjà. La cliente Hodari P. remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Il sied de signaler que le groupe Tuamke est majoritairement fiminins.
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.