Moseka is a client and the leader of the business group "Nuru". She is 33 years old, an entrepreneur, married, and the mother of seven children, who are all in school. She sells meat retail. Her husband is also a butcher and a partner in a butcher shop. Moseka sets up her merchandise at the sector market Afia Bora. She has been in this business for twelve years. Yet, she just completed four loan cycles with Hekima. This new loan must serve her to stock up on two quarters of beef. Her ambition is to educate her children and to buy a motorbike, a jeep, and a plot of land in the VIP residential district.
This client is thankful for Hekima for its actions favoring poor women who are excluded from traditional banking. It is appropriate to note that the business group "Nuru" is composed mostly of women. One of the clients is happily holding her baby.
La cliente Moseka, leader du groupe d’affaire « Nuru »,est entrepreneur, âgée de 33 ans, mariée, mère de 7 enfants qui étudient tous. Elle est vendeuse de viande en détail. Son mari est aussi boucher, sociétaire d’une boucherie. Elle installe ses marchandises au marché sectoriel Afia Bora. Il y a 12 ans révolus qu’elle exerce ces activités. Cependant, elle vient de réaliser 4 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 cartiers de vache (bœuf). En plus, elle ambitionne scolariser ses enfants et acheter une moto, une voiture jeep et une parcelle dans les quartiers résidentiel de VIP. 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 « Nuru» est majoritairement féminins.Une des clientes, porte joyeusement son bébé en main.
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.