The customer Kaniki, who is the leader of the Makimbilio business group, is a businesswoman who is 44 years old, married and mother to eight young children, who are all studying. Her husband is unemployed. She sells drinks (Primus, Fanta, etc.). She has been carrying out these kinds of small income-generating business for the past twelve years. Meanwhile, she has just been granted her seventh loan from Hékima. This new loan will enable her to get fresh supplies of 20 crates of Primus, Fanta, etc. In the future she would like to see her children grow up comfortably, expand her business and buy a second house. The customer thanks Hékima for its actions in favor of poor women who have no access to classic banks.
La cliente Kaniki, leader du groupe d’affaire «Makimbilio », est entrepreneur, âgée de 44 ans, mariée, mère de 8 jeunes enfants, qui étudient tous. Son mari est un chômeur. Elle est vendeuse de boissons (Primus, Fanta, etc. Il y a 12 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 7eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 20 casiers de Primus, Fanta, etc.). En plus, elle souhaite voir ses enfants grandir confortablement, accroitre son entreprise et acheter une seconde maison. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique.
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.