Barbara Nabazairois is a business woman, aged 30, married and mother of seven children. She sells various products (general store). She also sells broilers. She began her business with her savings about ten years ago. Later, she received a loan of $ 50 from the MFI Hekima, in 2008. She sells her products at the central market of Virunga and sometimes along the street. This new loan will allow her to purchase about 80 broilers to be sold to restaurants, bars and hotels in the city. In addition, she aims to have a large showroom for her products. Barbara Nabazairois is grateful to Hekima for supporting poor people who are excluded from traditional banking. The Sinai group consists of 16 members.
Nabazairois B. est entrepreneur, âgée de 30 ans, mariée, mère de 7 enfants. Elle vend des divers (commerce général). Elle fait également la vente de poulets de chair. Elle commença son business avec son fonds propre. Il ya 10 qu’elle est en action. Plus tard, elle bénéficia de crédit de l’IMF Hekima de 50$ en 2008. Elle installe ses produits au marché central de Virunga et parfois au long de la rue ambiante. Ce nouveau crédit doit lui servir de s’approvisionner avec 80 individus des poulets de chair pour le revendre aux restaurants, bars, hôtels de la ville. En plus, elle ambitionne avoir une grande salle d’exposition de ses produits. La cliente Nabazairois B. remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Le groupe Sinaï est constitué de16 membres.
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.