Nyirere is the leader of the 'Naboti' group. She is a young 27-year-old entrepreneur who is married and has two young children. Her husband is a teacher. Nyirere sells shoes. She has been in this small income-generating activity for three years and has just received her third loan from Hekima. She will use this new loan to stock up with 25 pairs of shoes to sell. In addition, she hopes to see her children grow up comfortably and buy a plot of land. She thanks Hekima for their actions in favor of poor women who are excluded from the traditional banking system.
La cliente Nyirere, leader du groupe d’affaire «Naboti », est une jeune entrepreneur, âgée de 27 ans, mariée, mère de 2 jeunes enfants. Son mari est un enseignant. Elle est vendeuse de souliers. Il y a 3 ans révolus qu’elle exerce ces petites activités génératrices de revenus. Cependant, elle vient d’obtenir son 3eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 25 paires de souliers à marchander. En plus, elle souhaite voir ses enfants grandir confortablement et acheter une parcelle. 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.