The borrower, Mamisa, is the leader of the credit group "Mizeituni". She is a dynamic 39-year-old entrepreneur, mother of 6 young children who all attend school.
Mamisa sells sorghum. Her husband works as a veterinary nurse. Mamisa sets her goods at the local market in Nyabushongo. She started her business selling semolina and using her own capital, which she received from her husband. Later on, she received a 50 USD loan from the MFI Hekima as additional funding. Mamisa has been involved in this type of small income-generating activity for more than four years.
Mamisa has completed 8 loan cycles using the microcredit program offered through the MFI Hekima. Insecurity inside her province constitutes a threat for the development of her activities.
This new loan will help her to buy 2 sacks of sorghum, and with the remainder of the money, she will pay her children's school fees.
Mamisa would like to see her children grow, and she would also like to buy a house. She thanks Hekima for helping low-income women become financially and economically independent. It should be noted that, [in the photo] ,some borrowers are carrying their babies.
La cliente Mamisa, leader de l’association de crédit « MIzeituni », est un entrepreneur dynamique, âgée de 39 ans, mère de 6 jeunes enfants qui étudient tous. Elle est vendeuse de sorgho. Son mari est Infirmier vétérinaire. Elle installe ses marchandises au marché communal de Nyabushongo. Elle commença son business par la vente de semoule avec son fonds propre reçu de son mari. Alors, plus tard elle bénéficia un fond additionnel de crédit de 50$ 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. L’insécurité dans l’intérieur de la province constitue une menace pour le développement de ses activités. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs de sorgho et le reste d’argent sera affecté dans la scolarité des enfants. En plus, elle souhaite voir ses enfants grandir et acheter une maison. La cliente remercie Hekima pour ses actions dédiées de pauvres femmes pour leur émancipation économique et financière. Il sied se 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.