The client, a member of the "Furahini" loan group, is a 37-year-old married entrepreneur with seven young children, all of whom are in school. She sells various goods. She began her business after she got married. Her husband is an evangelical pastor in an ecclesiastic Protestant community. Meanwhile, she has just obtained her seventh loan from Hekima. This new loan should serve to supply her with oil, sugar, Fanta, soap, salt, etc. In addition, she hopes to watch her children grow, to open a store, and to buy a plot of land. This client is grateful to Hekima for its actions helping poor women who have been excluded from the classical banking system achieve autonomy. It should be noted that certain clients in the photo are carrying their babies.
La cliente, membre du groupe de crédit «Furahini », est entrepreneur, âgée de 37 ans, mariée, mère de 7 jeunes enfants, qui étudient tous. Elle est vendeuses des articles divers. Elle a commencé son business de lors qu’elle a été mariée. Son mari est un pasteur évangéliste dans une communauté ecclésiastique protestante. Cependant, elle vient d’obtenir son 7eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec huile, sucres, Fanta, savons, sels, etc. En plus, elle souhaite voir ses enfants grandir, ouvrir une boutique et acheter une parcelle. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes exclues de banque classique. Il sied de signaler que certaines clientes portent leurs bébés.
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.