The client, a member of the Nyota credit group, is a dynamic, talented entrepreneur. She is 42 years old and makes handcrafts. She also sells charcoal, gasoline, etc. Her husband is an agent at a center for the disabled. She was introduced to the group by peers and later learned about the microcredit available through Hekima. She then took out her first loan of $50 to strengthen her business. The money she makes in her business goes toward savings, food, and her children's education. She is now on her 15th loan. Over this period, she has sold her artworks to clients, and has decided to increase her loan amount for this new cycle. This new loan will allow her to buy materials. Her difficulty in her business is breakage of materials. She wishes to see her children grow up and to buy a piece of land in the future. She thanks Hekima for helping low-income women gain autonomy.
La cliente, membre du groupe de crédit Nyota, Femme dynamique, entrepreneur talentueux, âgée de 42 ans. Elle fait l'artisanat. Elle vend également de braises, pétroles, etc. Son mari est agent au centre pour handicap. Elle a été initiée par ses pairs. Plus tard, elle fut informée de micro crédit qu’octroi l’IMF Hekima. Ainsi, elle bénéficia son premier crédit de 50$ 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 15eme crédit. Au cours de la période, cette cliente a vu ses œuvres d’arts consommées par ses clients. Ainsi elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir d’acheter les inputs de production. Ses difficultés sont souvent la rupture de matières premières. La cliente 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.