Nyalalia, leader of the "Toka Chini" business group, is a 36-year-old married businesswoman with seven children, all of whom are students. She is a dressmaker. In addition, she also sells second-hand clothing to supplement her income. Her husband is a money-changer. She displays her products along the Goma-Sake route, more specifically at Ndosho. Seven years have passed since she first started this activity. During that time, she has been through seven loan cycles with Hekima. This new loan will serve to obtain sewing supplies and one bale of second-hand clothing. In addition, her dream is to educate her children and buy a new embroidery sewing machine. This client is thankful to Hekima for its actions on behalf of poor women without access to the traditional banking system. It is worth noting that the "Toka Chini" business group is composed primarily of women.
La cliente Nyalalia, leader du groupe d’affaire « Toka Chini », est entrepreneur, âgée de 36 ans, mariée, mère de 7 enfants qui étudient tous. Elle est couturière. En plus, elle aussi vendeuse de friperie pour accroitre ses revenus. Son mari est un cambiste (échangeur, bradeur de monnaie). Elle installe ses marchandises au long de la route Goma-Sake, précisément à Ndosho. Il y a 7 ans révolus qu’elle exerce ces activités. Cependant, elle vient de réaliser 7 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec les matériels de couture et 1 ballon de friperies. En plus, elle ambitionne scolariser ses enfants et acheter une nouvelle machine à coudre de broderie. 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 « Toka Chini» 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.