This client, Bwira, has been a teacher at a Rutoboko primary school since 2005. She is 27 years old and very ambitious. She is still unmarried. Aside from being a teacher, she is also a student at a local university in the department of community development. In addition, she is a supplier of grocery items (rice, flour, soaps, etc.) for her teacher peers, who pay on credit. Bwira had undertaken this initiative at the time because of the need for a school shop in several schools in the city. This Hekima loan must serve to cover education costs and to bolster her plans for a shop.
Thus, she says thank-you to Hekima and its partners for supporting unbanked teachers who lack collateral. It is appropriate to indicate to the reader that this profile belongs to the girl wearing red and not to the school's director, whose enthusiastically raised his hand in the photo.
La cliente Bwira, est une enseignante dans une école primaire Rutoboko depuis 2005. La cliente est âgée de 27 ans, très ambitieuse. Elle est encore célibataire. Outre ce statut d’enseignante, elle est aussi étudiante dans une université de la place, au département de développement communautaire. En plus, elle est fournisseur des produits alimentaires (riz, farine, savons, etc.),a ses pairs enseignants, que ces derniers prennent en crédit pour payer après. Elle avait pris cette initiative de lors, le besoin d’un cantine scolaire se faisait sentir dans plusieurs écoles de la ville. Ce crédit de Hekima doit lui servir de payer les frais académiques et de renforcer son projet de cantine. Ainsi, dit-elle, la cliente remercie Hekima et ses partenaires pour le soutien aux enseignants non bancable faute de garantie de sureté. Il sied de signaler au public, que ce profil appartient à la fille, portant les habits en couleur rouge et non le directeur de l’école qui lève sa main avec plus d’enthousiasmes.
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.