Kabumba Immaculee is an entrepreneur and she is also the treasurer of the group named Maombi. She is 35 years old, she is married, and she is the mother of 6 children. All of her children are in school. Her husband is a master carpenter and an independent tradesman. Kabumba Immaculee sells fresh fish along the locale roads. She started her business with her own money. She has had this same business since 1994. She accessed a loan of $50 in 2005 from IMF Hekima (Kiva Field Partner). This new loan will help her purchase more products (4 baskets of fresh fish) for resale. In addition, she hopes to travel to Ouganda-Kisoro to purchase fish without having to buy from retailers. Kabumba Immaculee is grateful to Hekima for their actions towards the poor who are otherwise excluded from traditional banks. The Maombi group is made up of 31 members.
Kabumba I. est entrepreneur, trésorière du groupe Maombi, âgée de 35 ans, mariée, mère de 6 enfants, tous ces enfants étudient confortablement. Son conjoint est un maitre charpentier, ouvrier indépendant. La cliente Kabumba I. est vendeuse des poissons frais au long des rues ambiantes. Elle commença son business avec son fonds propre. Depuis 1994, elle exerce cette même activité. Elle bénéficia de crédit de l’IMF Hekima de 50$ en 2005. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux produits (4 paniers de poissons frais) pour revendre. En plus, elle ambitionne, elle-même allé s’approvisionner les poissons en Ouganda-Kisoro sans passer par les intermédiaires. La cliente Kabumba I. remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Le groupe Maombi est constitué de 31 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.