The representative of the business group "Tuamke" is the entrepreneur who is raising her hand in the photo, the mother of four children, all of whom are enrolled in school. Her husband is a plumber. She sells foodstuffs (beans and maize) on a small scale. She began her business with her own money, received from her husband. She has been working at it for four years.
Later on, she got a loan from MFI Hekima. She displays her products at the market of the sector. This latest loan will allow her to buy two sacks of dried beans near Rutshuru, a rural agricultural zone in North Kivu. She has managed to acquire two parcels of land and would like in future to build on them. She salutes the initiative of MFI Hekima in favor of poor women who are excluded from the services of conventional banks.
La représentante du groupe d’affaire Tuamke, est un entrepreneur, elle lève sa main sur la photo, mère de 4 enfants, tous étudient tous. Son conjoint est un plombier. Elle fait le petit commerce de vivres (haricots et maïs). Elle commença son business avec son fonds propre reçu de son mari. Il ya 4 ans révolu, qu’elle est en activité. Plus tard, elle bénéficia de crédit de l’IMF Hekima. Elle installe ses produits au marché sectoriel. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs de haricots vers Rutshuru, zone agro rurale du Nord Kivu. En plus, elle ambitionne construire dans ses 2 parcelles acquises déjà. La cliente salut l’initiative de l’IMF Hekima pour en faveur de pauvres femmes exclues de banque classique.
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.