The customer, who is a member of the Alpha loan group, is a dynamic woman and entrepreneur who is 30 years old. She sells live embers and cassava flour. Her husband is an evangelical mediator in a revivalist church. Six months ago she was informed about the micro-loans that IMF-Hekima grants and thus she was given her first loan of US$50 in order to begin her business. The profits she makes from her activity are used for her savings, to buy food and to help out with her children's schooling. Meanwhile, she has been granted a second loan. During this period, the customer has seen her business prosper and so she has decided to increase her loan for this new cycle. This new loan will enable her to get fresh supplies: three sacks of live embers and one sack of cassava flour. For the future she would like to see her children grow up buy a piece of land. The customer thanks Hekia for its actions to help poor women with low income become autonomous.
La cliente, membre du groupe de crédit Alpha, Femme dynamique, entrepreneur, âgée de 30 ans. Elle est vendeuse de braises, farine de manioc. Son mari est un évangéliste intercesseur dans une Eglise de réveil. Il ya 6 mois qu’elle fut informée de micro crédit qu’octroi l’IMF Hekima. Ainsi, elle bénéficia son premier crédit de 50$ pour démarrer 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 2eme crédit. Au cours de la période, cette cliente a vu ses affaires prospèrent positivement. Ainsi elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir de s’approvisionner avec 3 sacs de braises et 1 sac de farine de manioc. En plus, elle souhaite voir ses enfants grandir et acheter une parcelle dans le futur. 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.