Janviere is a 50-year old trader who lives in the town of Rutegama in the province of Muramvya, which lies in the centre of the country. She has been selling various products in her shop (soap, vegetable oil, cosmetics, children's shoes, rice, beans, etc.) for the past year. She was a fruit seller before beginning this business. She went to school up until the 6th grade of primary school. She is married to Hilaire and they have six children together, who are all at school.
Janviere est une commerçante âgée de 50ans qui habite la localité de Rutegama de la Province de Muramvya au centre du pays. Elle vend divers articles de boutique (savons, huile végétale, produits cosmétiques, souliers pour enfants, riz, haricot, etc) il ya de cela une année. Elle était marchande de fruits avant de commencer cette activité. Elle a fait ses études jusqu’en 6e année primaire. Elle est mariée a Hilaire et ont ensemble 6 enfants qui sont tous a l’école.
Le crédit Kiva de 400,000 francs burundais qu’elle obtient lui permet d’augmenter son capital pour acheter de grandes quantités d’articles de boutique (savons, huile végétale, produits cosmétiques, souliers pour enfants, riz, haricot, biscuits, bonbons, etc.) à revendre afin de réaliser de grands bénéfices.
Elle est membre du groupe communautaire« ITEKA»
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.
A portion of Iteka Group's $4,200 loan helped a member to increase her capital in order to buy large quantities of articles for her shop (soap, vegetable oil, cosmetics, children's shoes, rice, beans, biscuits, sweets, etc) for resale so that she can make a lot of money.