Kahindo, a member of the business group Afya, is a married mother of eight young children. Her husband is a mason carpenter.
Kahindo sells charcoal, and she is a partner in a charcoal storage facility. She started her business with her own funds after selling part of her land. Later, she turned to the Hekima MFI for financial support.
She will use this new loan to buy four bags of charcoal. Her main challenges are the multiple taxes, difficulties brought on by police, and administrative red tape.
Kahindo wishes to thank the Hekima MFI for helping female owners of small businesses to become self-sufficient.
Note: One of the group members is holding her baby in the photo.
La cliente Kahindo est membre du le groupement d’affaire Afya, elle est mariée et mère de 8 jeunes enfants. Son mari est un maçon constructeur. La cliente est vendeuse de braises. Elle est sociétaire d’un entrepôt de stockage de braises. Elle commença son entreprise avec son fonds propre, alors qu’elle venait de vendre une partie de son champ. Plus tard, elle sollicita le soutien de l’IMF Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 4 sacs de braises. Le grand défi qu’elle connait dans son activité est la multiplicité de taxe et tracasserie policière et administrative. Ainsi, elle remercie Hekima pour son appui et autonomisation des petits entrepreneurs femmes.Il sied de signaler qu’une cliente porte son bébé.
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.