The client is the leader of the Dynamique business group. She is an entrepreneur, 35 years of age, married and the mother of six young children, all of whom attend school. Her husband is a carpenter. She is a vendor of staple foods. She has been earning income in this way for 12 years already. She just obtained her 8th loan from Hekima. This new loan will enable to her to buy four jugs of vegetable oil, 50 kg [110 lbs] of flour, 50 kg of rice, 200 kg [440 lbs] of beans etc. In addition, she would like to see her children grow up in comfortable conditions and her business expand. As a client, she thanks Hekima for its actions in support of impoverished women excluded from traditional banking.
La cliente, leader du groupe d’affaire «Dynamique », est entrepreneur, âgée de 35 ans, mariée, mère de 6 jeunes enfants, qui étudient tous. Son mari est un technicien Menuisier. Elle est vendeuse de denrees alimentaires. Il y a 12 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 8eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 4 bidons huiles, 50 kg des farines,50 kg de riz, 200 kg de haricots, 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.