Since then, she has been the sole provider for her children. This responsibility weighs heavily upon the rapid growth of her business.
For 8 years, she has worked in a mini hardware store. She started her small business with the money that she received when her husband died.
After that, she received a loan from IMF Hekima. With the loan from IMF Hekima, the client would like to increase her sales by buying 10 roles of electrical wire, 6 dozen saws, etc. In addition, the client also sells Fanta and Primus beer out of her home to increase her revenues and to respond to minor household emergencies.
The client would like to thank IMF Hekima for the loans that she received without the need for collateral. It is because of these loans that she was able to construct a 10-room plank house that she rents out. The rental income from this house allows her to respond to the needs of her family.
Ainsi, la cliente remercie l’IMF Hekima pour les crédits qu’elle reçoit de manière permanente sans aucune garantie matérielle car grâce à ces crédits, elle a parvenu à construire une maison en planche de 10 chambres, qu’elle met à location. Les recettes de loyer de cette maison lui permettent de subvenir aux besoins de ses enfants.
More information about this loan
Important InformationHEKIMA 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.
About Congo (Dem. Rep.)
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Success!! The loan was 100% repaid