The client is the Lwanzo group's leader. She is a 38-year-old entrepreneur who lives alone and is the mother of 6 young children, who all go to school thanks to the support of the Don Bosco charity.
She sells drinks and has been doing this type of revenue-generating activity for 16 years. She has just received her 3rd loan, which should serve to buy 4 cases of drinks like Primus, Aigle, Fanta, etc. She would also like to see her children grow up comfortably, expand her business and buy a plot of land on which she will then build a house for her children.
The customer thanks Hekima for it's support of poor women excluded from regular bank lending channels.
Note: in the background, behind the group members, is a small child who happened to be walking past when the picture was taken.
La cliente, leader du groupe d’affaire «Lwanzo », est entrepreneur, âgée de 38 ans, femme vivant seule, mère de 6 jeunes enfants, qui étudient tous avec l’appui d’un organisme de charité DON BOSCO. Elle est vendeuse de boissons. Il y a 16 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 3eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 4 casiers de Primus, aigle, Fanta, etc. En plus, elle souhaite voir ses enfants grandir confortablement, accroitre son entreprise et acheter une parcelle puis y construire une maison pour ses enfants. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. En distance, il y a un enfant derrière les membres du groupe qui était de passage lors de la photographie.
More information about this loan
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.