The customer, Lucia, who is leader of the Uwezo business group, is a 53-year old entrepreneur. She is married and mother to two young children, who are both at school. Her husband is unemployed. She is a member/shareholder of a restaurant. She has been carrying out small-income generating activities of this kind for the past 12 years. Nevertheless, she has just been given her 13th loan from Hekima. She will use this new loan to get fresh supplies: two baskets of potatoes,ten liters of oil, 25 kg of flour, Fanta, milk, etc. She would like to see her children grow up in comfort and grow her business. The customer is grateful to Hekima for its actions in favour of poor women who do not have access to classic banks.
La cliente Lucia, leader du groupe d’affaire «Uwezo », est entrepreneur, âgée de 53 ans, mariée, mère de 2 jeunes enfants, qui étudient tous. Son mari est un chômeur. Elle est sociétaire d’un restaurant. Il y a 12 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 13eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 paniers de pommes de terre, 10 litres huile, 25 kg farine, Fanta, lait, etc. En plus, elle souhaite voir ses enfants grandir confortablement et accroitre 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.