Nyirarudodo A. is an entrepreneur and leader of the group La Vérité (Truth). She is 52 years old and has three children who all live on their own. Her husband is unemployed. Nyirarudodo A. sells fruits such as mangoes, avocados and oranges. She makes a living from this business. She has been in this business for a long time. She has just completed four rounds of loans with the micro-finance institution (MFI) Hekima which increased her capital. She will purchase an inventory of new fruits such as mangoes, avocados and oranges with the new loan. Moreover, she hopes to make her business stable in the long term, make some home improvements and live peacefully with her children and grandchildren. Nyirarudodo A. thanks the MFI Hekima for their committed work with poor women excluded from the traditional banking sector. The group La Vérité has 35 members.
Nyirarudodo A. est entrepreneur, leader du groupe d’affaire « La Vérité », âgée de 52 ans, mariée, mère de 3 enfants, tous ont leurs propres foyers. Son conjoint est chômeur, sans emploi. La cliente Nyirarudodo A. est vendeuse de fruits Mangues, oranges, avocats, etc. Elle vit de cette activité de fortune. Il fait longtemps qu’elle exerce cette activité. Elle vient de réaliser 4 cycles en bénéficiant des crédits de l’IMF Hekima pour renforcer son capital. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux produis fruitiers (mangues, avocats, oranges, etc.). En plus, elle ambitionne pérenniser son entreprise, améliorer sa maison d’habitation et vivre paisiblement en paix avec ses enfants et ses petits fils. La cliente Nyirarudodo A. remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes exclues de banque classique. Le groupe « La Vérité » est constitué de 35 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.