The client, the leader of the Mapatano group, is a dynamic entrepreneur, 40 years old and mother of 8 children, who are all in school. She sells fabric (Bitenge). Her husband is also a retailer of diverse items. She sells her items from the community market in Katindo. She started the business with her own money, then later received additional funding from the microfinance institution Hekima. For the past four years, she has carried out these small revenue generating activities. She already completed eight loan cycles with Hekima's microcredit program. With this new loan, she will stock up by buying 10 double reams of fabric (Bitenge) and make other small investments in her business. She wishes to see her children grow up and to build a decent house. She thanks Hekima for its commitment to poor women and their economic and financial empowerment.
La cliente, leader du groupe d’affaire « Mapatano », est un entrepreneur dynamique, âgée de 40 ans, mère de 8 jeunes enfants qui étudient tous. Elle est vendeuse de pagnes (Bitenge). Son mari est aussi petit commerçant de divers. Elle installe ses marchandises au marché communal de Katindo. Elle commença son business avec son fonds propre, alors, plus tard elle bénéficia un fond additionnel de crédit de base de l’IMF Hekima. Il y a 4 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 8 cycles en profitant du programme de microcrédit de l’IMF Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 10 doubles de pièces de pagnes (Bitenge),et le reste d’argent sera affecté dans le modeste investissement. En plus, elle souhaite voir ses enfants grandir et construire honorablement sa maison. La cliente remercie Hekima pour ses actions dédiées de pauvres femmes pour leur émancipation économique et financière.
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.