This client, Beatrice, is the president of the loan group Yesu Anaweza. She is 34 years old, married, and the mother of six children, who are all in school. Her husband is a software engineer. This client is the owner of a store and works in general commerce. She started with a Hekima loan. She just completed three cycles in the micro-loan program. The major challenge for her is meager capital. This new loan must serve to supply her with 25 kg of rice, 5 kg of Omo, 25 kg of sugar, salt, etc. She would like to grow her enterprise. So she thanks Hekima for thinking about small-scale entrepreneurs.
La cliente Beatrice est présidente du groupe de crédit Yesu Anaweza, âgée de 34 ans, mariée et mère de 6 enfants qui étudient tous. Son mari est un ingénier informaticien. La cliente est propriétaire d’une boutique et fait le commerce général. Elle commença avec le crédit de Hekima. Elle vient de réaliser 3 cycles dans le programme de microcrédit. Le défi majeur pour elle, est la petitesse du capital. Ce nouveau crédit doit lui servir de s’approvisionner 25 kg de riz, 5kg d’Omo, 25 kg de sucre, sels, etc. Elle souhaite accroitre son entreprise. Ainsi elle remercie Hekima pour songer aux petits entrepreneurs.
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.