This client is the leader of the Maombi business. She is an entrepreneur, 37 years old, married and the mother of four young children, all of whom are in school. Her husband is a master carpenter. She sells fish. She has been earning her income through this line of work for 17 years. She just obtained her 17th loan from Hekima. This new loan will allow her to replenish her stock by buying two baskets of fish, etc. Further, she would like to see her children grow up in comfortable conditions, and to expand her business. This client thanks Hekima for its actions in support of low-income women who do not have access to traditional banking.
La cliente, leader du groupe d’affaire «Maombi », est entrepreneur, âgée de 37 ans, mariée, mère de 4 jeunes enfants, qui étudient tous. Son mari est un maitre charpentier. Elle est vendeuse de poissons. Il y a 17 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 17eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 paniers de poissons, 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.
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.