Usalama Renovee Group
The client sells second-hand clothes in the city of Goma. She sells her goods at the central market of Virunga. She started her business when she got married.
She works with her husband on her business. She has benefitted form a number of promotional products offered by Hekima, and just completed 12 loan cycles with their microfinance program.
Thanks to Hekima's loans, she was able to make small investments in her family (schooling, chairs, etc.) She would like to buy a car and a motorcycle to become a taxi driver in the city.
She'll use this new loan to buy 4 bales of second-hand clothing. Her current challenge is the ongoing safety issues within her province (Masisi, Rutshuru, etc.) because her clients come from those villages. She would like to thank Hekima for their support and for the empowerment of female small business owners.
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