The client Uwineza, leader of the business group "Atuwezeshe," is an entrepreneur. She is 34 years old, married, and the mother of seven children, all in school. Her husband is a teacher in an evangelical school. She is a member of a small restaurant-cafeteria located in the Ndosho neighborhood. She has been in the same business since before she got married. Meanwhile, she has just finished six loan cycles with Hekima.
This new loan will be used to buy 50 kg of beans, 25 kg of sugar, milk, coffee, and 2 cases of Fanta, Primus, etc. The rest of the money will be used to pay school fees for her husband, who will soon pass his baccalaureate (BAC+3) for evening classes.
Furthermore, her goals are to educate her children and build a comfortable house. She thanks Hekima for its efforts in favor of poor women not served by traditional banking.
It should be said that the business group "Atuwezeshe" is mainly composed of female members. Some of the women appear very jovial with their babies on their backs.
La cliente Uwineza représentante du groupe d’affaire « Atuwezeshe», est entrepreneur, âgée de 34 ans, mariée, mère de 7 enfants, tous étudient. Son mari est un enseignant dans une école conventionnée évangélique. Elle est sociétaire d’un petit restaurant-cafeteria installé dans le quartier Ndosho. Avant son mariage, elle exerçait cette même activité. Cependant, elle vient de réaliser 6 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 50 kg de haricots, 25 kg de sucre, laits, café, 2 casiers de Fanta, Primus, etc., le reste d’argent servira pour payer les frais académiques pour son mari, qui bientôt, va défendre son baccalauréat (BAC+3) pour les cours vespéraux. En plus, elle ambitionne scolariser ses enfants et construire une maison confortablement. 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 « Atuwezeshe» est majoritairement féminins.Certaines femmes sont très joviales avec leurs bébés au dos.
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.