Kasiwa is the leader of the Tuimizane group. She is a 44-year old entrepreneur and the mother of 8 children, all of whom are students. Kasiwa is a shoe seller, and her husband is a pilot. She sells her wares at the Cadeco municipal market in the center of town. Kasiwa has been a small retailer for 4 years and has already completed 6 loan cycles with Hekima. This new loan would allow her to buy 40 pairs of shoes for resale. The remainder of the money would be used fund a construction project. Kasiwa would like to grow her business and watch her children grow up in comfort. She would like to thank Hekima for helping disadvantaged women excluded from regular bank lending channels.
La cliente Kasiwa, leader du groupe d’affaire «Tuimizane», est jeune entrepreneur, âgée de 44 ans, mère de 8 enfants, qui étudient tous et d’autres ont leurs foyers. Elle est vendeuse de souliers. Son mari est aviateur. Elle installe ses marchandises dans un marché communal CADECO au centre ville. Il y a 4 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 6 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 40 paires de souliers à marchander et le reste sera injecté dans le projet de construction. En plus, elle souhaite voir ses enfants grandir confortablement et agrandir son entreprise. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique.
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.