Mugurwa N. is an entrepreneur, president of the Safina group, 58 years old, married, and a mother of nine, all of whom attend school, but two of which already have their own homes. Her husband is a small storekeeper. Mugurwa N. sells manioc flour in stores at the makeshift trade center Birere. She has been doing this for about six years. She started her business with her first loan from Hekima around 2006. This new loan will allow her to stock up on 20 bags of manioc, and the rest will be used for her family. In addition, she plans to grow her business, buy a piece of land, and build there. Mugurwa N. thanks Hekima for its support of poor women excluded from classical banks. It should be noted that the business group Safina is made up of 27 clients, of which two women are holding their babies.
Mugurwa N. est entrepreneur, présidente du groupe d’affaire «Safina», âgée de 58 ans, mariée, mère de 9 enfants dont tous étudient mais 2 ont déjà leurs propres foyers. Son mari est un petit commerçant. La cliente Mugurwa N. est vendeuse des farines de manioc dans les entrepôts au centre commercial de fortune Birere. Environs 6 ans qu’elle exerce cette activité. Elle démarra son business avec le premier crédit reçu de l’IMF Hekima vers 2006. Ce nouveau crédit doit lui servir de s’approvisionner avec 20 sacs de manioc et le reste sera affecté pour les projets familiaux. En plus, elle ambitionne agrandir son entreprise, acheter une parcelle et y construire. La cliente Mugurwa N. remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. Il sied de signaler que le groupe d’affaire « Safina » est composé de 27 clients dont 2 femmes portent a mains leurs bébés.
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.