K., an entrepreneur, is the leader of the "Sheria" business group. She is 48 years old, married and the mother of 10 children who are all in school and 4 others who already have their own homes. She sells manioc flour. Her husband is a guard (sentry) at a private enterprise. She sets up her merchandise at the Nyabushongo communal market. She has been operating this small business for 10 years. Meanwhile, she has completed 17 loan cycles with Hekima. This new loan will enable her to stock up with 3 bags of manioc flour to sell and the remainder of the money will be used for building her house. In addition, her goal is to educate her children and to build a comfortable home. She thanks Hekima for its actions in support of poor women excluded from traditional banks. It is fitting to mention that there are 13 women in the "Sheria" business group. There are 3 other colleagues from the Nyabushongo market included in the group photograph, where 16 people are visible.
La cliente K., leader du groupe d’affaire « Sheria », est entrepreneur, âgée de 48 ans, mariée, mère de 10 enfants qui étudient tous et 4 autres ont déjà leurs propres foyers. Elle est vendeuse de farines de manioc. Son mari est un gardien (sentinelle) auprès d’une entreprise privée. Elle installe ses marchandises au marché communal de Nyabushongo. Il y a 10 ans révolus qu’elle exerce ces petites activités génératrices de revenus. Cependant, elle vient de réaliser 17 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 3 sacs de farines de manioc à marchander et le reste d’argent sera affecté à son projet de construction de sa maison. 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 « Sheria » est 14 femmes. Néanmoins, 2 autres collègues du marché nyabushongo se sont improvisées sur la photo du groupe , d’où 16 figures visibles.
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.