This client is the treasurer of the loan group Ujamaa. A courageous woman, an entrepreneur, and a widow, she is 42 years old and the mother of ten children. She is a retailer of peanuts. She started her business with her own funds received from her husband having sold their car.
This client regularly benefits from Hekima loans for bolstering her business. The profits from her business go toward savings, food, and supporting her children's education. However, she just obtained her eighteenth loan. During this time, this client saw her sales go up. Thus she decided to increase her loan amount for this new cycle. This new loan must serve to buy 2 sacks of peanuts. Her difficulties are often an inventory shortage and price fluctuations.
She wishes to see her children grown up, and she would like to build a fence in the future.
This client thanks Hekima for its actions helping poor, low-income women to become autonomous. It's appropriate to indicate that certain clients are holding their babies.
La cliente, trésorière du groupe de crédit Ujamaa, Femme courageuse, entrepreneur, veuve, âgée de 42 ans et mère de 10 enfants. Elle est Vendeuse d’arachides. Il commença ses affaires avec son fonds propre reçu de son mari après vente de leur voiture. La cliente bénéficie régulièrement des crédits 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 18eme crédit. Au cours de la période, cette cliente a vu ses ventes augmentées. Ainsi elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir d’acheter les 2 sacs d’arachides. Ses difficultés sont souvent la rupture de stock et la fluctuation de prix lors de semi. La cliente souhaite voir ses enfants grandir et construire une clôture dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.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.