Mwinja is the vice president of the Umoja loan group. She is the mother of five children who are all in school. She is 27 years old and married to a man who works as a caretaker. Mwinja crosses the Democratic Republic of the Congo - Rwanda border to buy a range of plastic products in Rwanda. She dreams of growing her business and having a store where she can sell her products. She will use the loan she has requested to buy a dozen bowls, a dozen pails and other plastic products. She thanks Hekima for their loans and pledges to make weekly to twice-weekly repayments.
Madame Mwinja est la vice présidente du groupe de crédit Umoja. Mère de 5 enfants tous scolarisés à l'âge de 27ans est mariée à un homme ayant pour profession le gardiennage. Elle traverse la frontière (RD Congo-Rwanda) pour acheter des divers en plastics au Rwanda. Elle rêve accroitre son entreprise et avoir un dépôt de ces produits ; sur ceux ; le credit sollicité lui procurera une douzaine de bassin, une douzaine de seaux et autres ustensiles plastics. Elle remercie Hekima pour ses crédits et le prie de revoir le remboursement hebdomadaire à bihebdomadaire.
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.