Musoka is the leader of the "Mapatano" business group. She is a 40-year-old entrepreneur, married and the mother of 6 young children, all of whom go to school. Her husband is an evangelical minister for the local Pentecostal church. Musoka is a member of a sewing workshop located near her home in Ndosho, and has been earning money for her household in this way for 7 years. Her husband provided her with her start-up capital and she has since successfully completed 9 loan cycles with Hekima. She is requesting a new loan which she will use to buy sewing materials (15 meters of fabric, thread, lace, patterns, scissors, etc.). She wants to watch her children grow up comfortably and expand her business. Musoka would like to thank Hekima for helping underprivileged women excluded from regular bank lending channels.
La cliente Musoka, leader du groupe d’affaire «Mapatano », est entrepreneur, âgée de 40 ans, mariée, mère de 6 jeunes enfants, qui étudient tous. Son mari est un Evangéliste Pasteur dans une église locale de la pentecôte. Elle est sociétaire d’un atelier de couture. Elle s’installe dans un atelier proche de son domicile à Ndosho. Il y a 7 ans révolus qu’elle exerce ce petit métier générateur de revenus à son ménage. Cependant, elle vient de réaliser 9 cycles avec le crédit de Hekima. Son fonds de démarrage fut reçu de son mari. Ce nouveau crédit doit lui servir de s’approvisionner avec quelques matériels de couture (15 mètres de tissus, files, dentelles, mordorés, modelage, ciseaux, etc.). 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.