Ndamuso is a dynamic woman. She is 28 years of age, married to a government employee, and has four children, three of whom are at school. She has been a member of the Utii credit group for three years, and this is her 12th loan cycle with a loan of $1,000.
Ndamuso plans to buy ten boxes of batteries and ten cases of cigarettes with the loan she has requested, so that she can expand her business. She hopes that the loans from Hekima and its partners will continue, and asks God to bless her more.
La cliente Ndamuso est une femme dynamique ; âgée de 28ans ; mariée à un fonctionnaire de l'État et mère de 4enfants dont 3 scolarisés. Membre du groupe de crédit Utii depuis plus de 3ans. Elle est à son 12ème cycle de crédit avec un capital de 1000$. Elle compte acheter 10 cartons de piles et 10 cartons de cigarettes avec le crédit sollicité pour la croissance de son affaire. Elle implore la continuité de crédit de Hekima et ses partenaires et prie Dieu de le bénir d’avantage.
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.