The customer, Kyangu, is a member of a business corporation. She is 36 years old, a dynamic woman and an experienced entrepreneur. She is a vendor at the central market of Virunga. Her husband is a security officer and maintains public order. She started her business at a young age, around 1992, after dropping out of school and before she was married.
Kyangu has been regularly receiving loans from Hekima in order to strengthen her business. The profits from her business are used to feed the family, support her children's education and build up her savings. She has just received her 11th loan.
Since receiving her first loan, this customer has seen her business prosper significantly. She has therefore decided to increase the amount of her loan for this new cycle. This new loan will serve to pay for 40 pieces of pagnes (highly colourful and decorative West African material).
Kyangu would also like to see her children grow up, and build a fence.
The customer thanks Hekima for its actions to empower women with lower incomes.
La cliente Kyangu, membre d’une corporation d’affaire, Femme dynamique, entrepreneur expérimentée, âgée de 36 ans. Elle est vendeuse au marché centrale Virunga. Son mari est un agent de sécurité et maintien de l’ordre public. Elle a commencé son business dans sa jeune quand elle rata sa scolarité vers les années 1992, alors avant qu’elle fut mariée. Ainsi, elle reçoit régulièrement le crédit de Hekima pour renforcer ses affaires. Les bénéfices de son activité servent d’épargne, d’alimentation et d’appui à la scolarité de ses enfants. Cependant, elle vient d’obtenir son 11eme crédit. Au cours de la période, cette cliente a vu ses affaires prospèrent significativement. Ainsi, elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir de s’approvisionner avec 40 pièces de pagnes. En plus, elle souhaite voir ses enfants grandir et construire une clôture. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.
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.