This client, by the name of Mikele, is the leader of the “Heri ya Mungu” business group. She is an ambitious entrepreneur, 34 years old, married, and the mother of six young children, all of whom are in school. Her husband is a civil servant. She is a shareholder in a pharmacy. She launched her business with her own funds (from salary) after she resigned from the private clinic where she used to work as a nurse. She has been working in this business for four years. She just obtained her fourth loan from Hekima. This new loan will allow her to stock up on boxes of essential generic medications (paracetamol [acetaminophen], antibiotics, aspirin, antimalarial drugs, antidiarrheal drugs, balms, glucose etc.). She would like to see her children grow up in comfortable conditions and to open her own office. This client thanks Hekima for its actions in support of low-income women excluded from traditional banking. It should be noted that some clients in the photo are carrying their infants.
La cliente Mukeine, leader du groupe d’affaire «Heri ya Mungu »,est entrepreneur, très ambitieuse, âgée de 34 ans,mariée, mère de 6 jeunes enfants, qui étudient tous. Son mari est un officiel de l’Etat. Elle est sociétaire d’une officine pharmaceutique. Elle a commencé cette entreprise avec son fonds propre (salaire), alors qu’elle démissionna d’une clinique privée où elle fut infirmière soignante. Il y a 4 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 4eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec quelques boites de médicaments essentiels et génériques (paracétamol, antibiotiques, aspirines, anti paludéen, anti diarrhéiques, pommades, glucosé, etc.). En plus, elle souhaite voir ses enfants grandir confortablement et ouvrir sa clinique privée. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. Il sied de signaler que certaines clientes portent leurs bébés.
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.
A portion of Heri Ya Mungu Group's $3,825 loan helped a member to stock up on boxes of essential generic medications (paracetamol [acetaminophen], antibiotics, aspirin, antimalarial drugs, antidiarrheal drugs, balms, glucose etc.).