The customer, Mapendo, who is vice-president of the Dunda mu Yesu loan group, is a dynamic entrepreneur, who is 30 years old. She sells beans and also does dressmaking. Her husband is a teacher in a primary school. She has been trading for two years. More recently she was informed about the micro-loans granted by IMF Hékima. She was consequently granted a first loan of $50 to boost her business. The profits from her business are used for savings, as well as for her children's food and schooling. Meanwhile, she has just been granted her seventh loan. During this period, this customer has seen her business prosper. She has thus decided to increase her loan for this new cycle and will use it to buy two sacks of beans. In the future she would like to see her children grow up and buy a piece of land. The customer is grateful to Hekima for its actions to make poor women with low income more autonomous.
La cliente Mapendo, vice présidente du groupe de crédit Dunda mu Yesu, Femme dynamique, entrepreneur, âgée de 30 ans. Elle est vendeuse de haricots. Elle fait également la coupe couture. Son mari est Enseignant dans une école primaire. Il ya 2 ans qu’elle fait le petit commerce. Plus tard, elle fut informée de micro crédit qu’octroi l’IMF Hekima. Ainsi, elle bénéficia son premier crédit de 50$ pour renforcer ses affaires. Les bénéfices de son activité servent d’épargne, d’alimentation et d’appui à la scolarité de ses enfants. Cependant, elle vient d’obtenir son 7eme crédit. Au cours de la période, cette cliente a vu ses affaires prospèrent positivement. Ainsi elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir d’acheter 2 sacs de haricots. En plus, elle souhaite voir ses enfants grandir et acheter une parcelle dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.
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.