Zaina G. is en entrepreneur and the secretary of the "La Victoire" Group. She is 52 years old, married, and the mother of 2 children; the eldest is 36 and the youngest is 33. They are both educated and have their own homes. Her husband is a mechanic technician. Zaina G. is a seamstress and she sells children's clothing from her home. She was a teacher but she started her own business with money she saved from her salary. She also received support from her husband in the development of her business. It has been 38 years since she started as a seamstress. In early 2009, she accessed her first loan from IMF Hekima (Kiva Field Partner), amounting to $50. Her new loan will be used to purchase more tailoring materials (fabrics, threads, embroidery materials, metallic fabrics, lace, etc.). In addition, she hopes to build a well equipped large shop in the city of Goma, where she could also train members of the family in sewing arts According to her, sewing is life. The existence of man on earth is proportioned by clothing. Zaina G. is thankful to Hekima for their support of the poor who are excluded from traditional banks. The "La Victoire" group is made up of 14 members.
Zaina G. est entrepreneur, secrétaire du groupe la Victoire, âgée de 52 ans, mariée, mère de 2 enfants dont le fils ainé a 36 ans et le cadet 33 ans. Tous sont diplômés et responsables de leurs propres foyers. Son conjoint est technicien mécanographe. La cliente Zaina G. est couturière et vendeuse des habits enfants à son domicile. Elle fut enseignante, elle commença son business avec son fonds propre issu de son salaire. Elle a également eu le concours de son mari dans l’évolution de son entreprise. Il ya 38 ans qu’elle fait la coupe couture. Elle bénéficia le premier crédit de l’IMF Hekima de 50$ au début de 2009. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux matériels de couture (pagnes, fils, broderies, mordoré, dentelle, etc.). En plus, elle ambitionne construire un grand atelier de référence dans la ville de Goma, bien équipé et former aussi les membres de sa famille en coupe couture. Selon elle, la coupe couture c’est la vie. L’existence de l’homme sur la terre est conditionnée par l’habillement. La cliente Zaina G. remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Le groupe la Victoire est constitué de 14 membres.
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.