The client, Kyakimwa, entrepreneur and leader of the business group Neema is 50 years old, married, and a mother of four, some of whom attend school and others who live on their own. Her husband is employed by the public customs company l’Office Congolais de Contrôle (OCC). The client sells drinks (Primus, Aigles, Fanta) on the river walk in the Katindo neighborhood. Nine years have gone by that she’s been doing this. Meanwhile, in 2005, she got her first loan from Hekima. This new loan will help her buy 10 cases of Primus, 10 cases of Aigles, and 5 cases of Fanta. In addition, she would like to pay for her children’s schooling and build a house on her own plot. The client thanks Hekima for its actions to help poor women who are excluded from classic banks. It is worth noting that the business group Neema is mostly female.
La cliente Kyakimwa est entrepreneur, leader du groupe d’affaire « Neema », âgée de 50 ans, mariée, mère de 4 enfants dont certains étudient et d’autres ont leurs propres foyers. Son mari est un cadre d’une entreprise publique douanière « l’Office Congolais de Contrôle (OCC) ». La cliente est vendeuse de boissons (Primus, Aigles, Fanta)sur avenue du fleuve dans le quartier Katindo. Il ya 9 ans révolus qu’elle exerce cette activité. Cependant, en 2005, elle bénéficia le premier crédit de Hekima. Ce nouveau crédit doit lui servir d’acheter respectivement 10 casiers de Primus, 10 casiers Aigles et 5 casiers de Fanta. En plus, elle ambitionne scolariser ses enfants et construire une maison dans sa propre parcelle. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. Il sied de signaler que le groupe d’affaire « Neema» est majoritairement féminins.
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.