The customer, Chakupewa, is a teacher (instructor) in the primary school Afya Bora, which benefits from loans from the IMF Hekima. She is also a housewife. She is 30 years old, married and the mother of 4 young children. Her husband is a welder.
Her loan will be used to buy her children school supplies and equipment for the start of the new school year in September; 25 notebook, pens, rucksacks, school bags, math sets, etc. The rest of the money from the loan will be used in her home construction project (to buy 30 planks, nails, sand, cement, etc.).
This customer has already been through 2 loan cycles with Hekima. She has ambitious dreams and therefore, in the future, plans to created her own modern private school. To finish off, she would like to thank Hekima for its micro financing program for teachers.
La cliente Chakupewa est enseignante (monitrice) dans une école primaire Afya Bora, qui bénéficie des crédits de l’IMF Hekima. Elle est aussi ménagère. Elle est âgée de 30 ans, mariée et mère de 4 jeunes enfants. Son mari est un soudeur. Son crédit sera affecté dans l’achat de fourniture et matériels scolaires pour ses enfants durant cette rentrée scolaire de septembre notamment (25 cahiers, stylos, sacs au dos, cartable, boite géométrique, etc.). Le reste d’argent de crédit sera affecte dans le projet d’habitat (30 planches, clous, sables, ciment, etc.). Il sied de signaler que cette cliente vient de réaliser 2 cycles dans le programme de Hekima. Cette cliente est très ambitieuse dans ses rêves, ainsi, dans le futur, elle ambitionne créer sa propre école moderne privée. Au finish, elle remercie Hekima pour son programme de microcrédit aux enseignants.
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.