Nyirahabimana M., who is the president of the group, is 49 years old, married and mother to nine children. All of the children are studying and three of them have finished their first graduate cycle at university. Her husband is a pastor and a servant of God in the evangelical church on the square. This customer, Nyirahabimana M., is an entrepreneur with a cafeteria/restaurant on the Goma-Sake-Masisi main road. She also has a small business selling shoes. She began her business around 2003 with her own funds which she got from her husband. Later on, at the beginning of 2009, she benefited from a loan of USD50 from IMF Helima. This new loan will allow her to stock up on new food products (two crates of Fanta, 50kg of beans, 20 litres of curd cheese, 10kg of potatoes, 5kg of meat, one container of oil, kitchen salt, etc.); half of the loan will be allotted to her shoe business. Furthermore, she has an ambition to become a wholesaler trader of shoes, given that this activity generates more profits than the cafeteria. Mrs M. is grateful to Hekima for its actions in helping poor women who are rejected by classic banks. The Atuwezeshe group is made up of 17 members although there are 18 people in the photo.
Nyirahabimana M. est présidente du groupe, âgée de 49 ans, mariée, mère de 9 enfants. Tous étudient dont 3 viennent de finir leurs premiers cycles de graduat à l’université. Son conjoint est un pasteur, serviteur de Dieu dans une église évangélique de la place. La cliente Nyirahabimana M. est entrepreneur d’un cafeteria-resto installé sur la route principale Goma-Sake-Masisi. Elle fait également le petit commerce de vente des souliers. Vers 2003, elle commença son business avec son fonds propre reçu de son mari. Plus tard, elle bénéficia de crédit de l’IMF Hekima de 50$ au début de 2009. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux produits alimentaires (2 casiers de Fanta, 50 kg de haricots, 20 litres de lait caillé, 10 kg des pommes de terre, 5 kg de viandes, 1 bidon d’huile, sel de cuisine, etc.) et une moitié sera affectée dans le commerce de souliers. En plus, elle ambitionne devenir commerçante grossiste des souliers. Etant donne que ce dernier offre plus des bénéfices que la cafétéria. La cliente Nyirahabimana M. remercie Hekima de ses actions pour la promotion des pauvres femmes exclues de banque classique. Le groupe Atuwezeshe est constitué de 17 membres mais sur la photo il ya l’excédent de leur collègue dans les affaires. D’où 18 visages visibles sur la photo du groupe.
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.
A portion of Atuwezeshe Group's $2,500 loan helped a member two crates of Fanta, 50kg of beans, 20 litres of milk, 10kg of potatoes, 5kg of meat, I container of oil, kitchen salt etc.. and 10 pairs of shoes.