The customer, who is a member of the Kalamo loan group, is a dynamic woman and entrepreneur, who is 35 years old. She sells live embers and cassava flour. Her husband breaks up stones. For the past five years she has had a small trading activity. More recently she was informed about the microloans granted by IMF Hekima and so she took advantage of her first loan of USD 50 to strengthen her business. The profits from her business are used to build up her savings, for food and to help out with her children's schooling. Meanwhile, she has been granted her third loan. During this period, the customer has seen her business prosper. So she has decided to increase the amount of her loan for this new cycle. The new loan will allow her to buy three goats for raising, so that her husband will have something to occupy himeself with. For the future she wants to see her children grow up and improve her house. The customer is grateful to Hekima for its actions to make poor women with low incomes autonomous.
La cliente, membre du groupe de crédit Kalamo, Femme dynamique, entrepreneur, âgée de 35 ans. Elle est vendeuse de braises, farine de manioc. Son mari est casseur de pierres. Il ya 5 ans qu’elle fait le petit commerce. 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 3eme 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 d’acheter 3 chèvres pour le petit élevage en fin d’occuper son mari. En plus, elle souhaite voir ses enfants grandir et améliorer sa maison dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.
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.