The customer, who is the representative of the Amkeni loan group, is a courageous woman and an entrepreneur. She is 30 years old and mother to three children, who are all at school. She owns moto-taxis and is also a nurse by trade. Her husband is a teacher in a local medical technology school. She began her business with her salary when she was working at the Independent Electoral Commission (CEI) around 2006. The profits she makes from her business are put into her savings, and also used for food and clothing for her family. Meanwhile, she has just been granted her sixth loan. During this period, this customer's business has worked well, despite the crisis on the horizon. Thanks to the loans from Hekima she has bought significant household goods for the family. This new loan will be used to buy a new motorbike for her taxi business. Moreover, she would like to see her children grow up healthily. The customer is grateful to Hekima for its actions to make poor women with low incomes more autonomous. It should be noted that the customer is holding her baby in the photo.
La cliente, représentante du groupe de crédit Amkeni, Femme courageuse, entrepreneur, âgée de 30 ans, mère de 3 enfants qui étudient tous. Elle propriétaire des taxis motos. En plus, elle est infirmière de formation. Son mari est un professeur dans une école de technique médicale de la place. Elle commença son business avec son salaire lors qu’elle travaillait à la Commission électorale indépendante (CEI) vers les années 2006. Les bénéfices de son activité servent d’épargne, d’alimentation et habillement pour sa famille. Cependant, elle vient d’obtenir son 6eme cycle de crédit. Au cours de la période, cette cliente a vu ses affaires marchent positivement malgré la crise qui pointe a l’horizon. Grace aux crédits de Hekima, elle a réalisé des équipements ménagers importants pour sa famille. Ainsi, ce nouveau crédit doit lui servir d’acheter une nouvelle moto pour ses activités de taxi. En plus, elle souhaite voir ses enfants grandir en bonne santé. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.Il sied de signaler qu’une cliente porte son bébé.
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.