This client is the leader of the Uwezo group. She is an entrepreneur with a long experience. She is 49 years old and the mother of four children, who study, in spite of hardships. Her husband is unemployed. She sells shoes. She has been working as a vendor for 11 years. She received her starting capital from her husband. She would like to receive her third loan from Hekima. This new loan will allow her to restock by buying 25 pairs of shoes for resale. She would like to see her children grow up in comfortable conditions and to open a store. The client thanks Hekima for its work benefitting low-income women who don’t have access to traditional banking.
La cliente, leader du groupe d’affaire «Uwezo», est un ancien entrepreneur, âgée de 49 ans, mariée, mère de 4 enfants qui étudient, cependant difficilement. Son mari est un chômeur. Elle est vendeuse de souliers. Il y a 11 ans révolus qu’elle exerce ces petites activités génératrices de revenus. Elle a reçu son premier capital de la part de son mari. 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 ouvrir une boutique. 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.