Kabena is the advisor and dean of the Fidélité group. She is about 33 years old, a widow and mother of 5 children. Her husband died in 2006 due to a sudden illness. All of Kabena's children attend school.
Kabena began her business with her own funds, which she received from her late husband. She sells fresh Thompson's fish by going door to door to market to consumer customers (households, restaurants, etc.)
She began borrowing from the microfinance institution Hekima around 2007 for some additional financial support. Before she began selling fish, Kabena sold used shoes. This new loan will allow her to stock up on 3 packages of Thompson's fish from Kinshasa. Kabena thanks Hekima for their support of poor women who are not otherwise eligible for traditional banking.
La cliente Kabena est conseillère et doyenne du groupe « Fidélité », âgée d'environ 33 ans, veuve, mère de 5 enfants. Son mari est décédé depuis 2006 suite à une maladie subite. Tous ses enfants étudient. Elle commença son business avec son fond propre, alors reçu par son défunt époux. Elle vend des poissons frais Tompson. Elle fait le porte à porte pour intéresser les clients consommateurs (ménages, restaurant, etc.). Elle bénéficia de crédit de l’IMF Hekima vers les années 2007 pour un soutien additionnel. Avant cette activité de vente poissons, elle vendait des souliers usagers. Ce nouveau crédit doit lui servir de s’approvisionner de 3 cartons de poissons Tompson en provenance de Kinshasa. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes non bancables.
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.