In 2005, she received her first loan from the micro-finance institution Hekima in the amount of $50 for bolstering her working capital. She must use this new loan to stock up on new brewery products (13 cases of Primus, 4 cases of Aigle, 7 cases of Fanta). She also has the ambition to make her enterprise sustainable and to build a house easily.
Our client Luanda B. thanks the micro-finance institution Hekima for its efforts dedicated to poor women who are excluded from traditional banks.
The group Sheria comprises 14 members, some of whom are comfortably dressed in the uniform of International Women’s Day, on March 8, 2011.
Luanda B. est entrepreneur, leader du groupe d’affaire Sheria, âgée de 45 ans, veuve, mère de 7 enfants. Son mari fut décédé suite à une mort inopinée. La cliente Luanda B. fait le petit commerce de divers. Elle installe ses marchandises dans le quartier périphérique de Kiziba II. Il ya environs 15 ans qu’elle exerce cette activité. En plus, elle vend également des boissons (Primus, Fanta, coca, etc.) à son domicile. En 2005, elle bénéficia de premier crédit de l’IMF Hekima de 50$ pour renforcer son capital. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux produits brassicoles (13 casiers de Primus, 4 casiers de boissons Aigle, 7 casiers de Fanta). En plus, elle ambitionne pérenniser son entreprise et construire confortablement sa maison. La cliente Luanda B. remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes exclues de banque classique. Le groupe Sheria est constitué de 14 membres, certains habillées confortablement en uniforme de la journée internationale de la femme du 8 mars 2011.
Important InformationHEKIMA 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.
About Congo (Dem. Rep.)
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Success!! The loan was 100% repaid