The customer, Nalushomba, is the president of the Pacifique Group. She is a courageous 46-year-old woman entrepreneur, mother of nine children, all of them in school. Her husband has been unemployed for several years.
She sells “pagnes” [colorful African fabric] at the Nyabushongo market. She started her business with a loan from Hekima, when her peers told her about the activities of this MFI [microfinance institution] in Goma.
The profits from her business are used for savings, food and school fees for her children. However, she has received her fifth loan and during that time her business has developed positively. Thanks to the Hekima loans, she has made new large investments for her family (chairs, radio etc.). This new loan will allow her to get 9 standard lengths of “pagnes” and other various items.
Additionally, she would like to see her children grow comfortably and increase her activity. The customer thanks Hekima and its partners for their actions to support the self-sufficiency of poor low-income women.
La cliente Nalushomba est présidente du groupe de crédit Pacifique, Femme courageuse, entrepreneur, âgée de 46 ans, mère de 9 enfants qui étudient tous. Elle est vendeuse des pagnes au marché de Nyabushongo. Son mari est chômeur depuis plusieurs années. Elle commença son business avec le crédit de Hekima, de lors qu’elle fut informée par ses pairs des activités de cette IMF dans la ville de Goma. Les bénéfices de son activité servent d’épargne, d’alimentation et scolarité pour ses enfants. Cependant, elle vient d’obtenir son 5eme cycle de crédit. Au cours de la période, cette cliente a vu ses affaires évoluent positivement. Toute fois, Grace aux crédits de Hekima, elle a réalisé nouveaux investissements importants pour sa famille (chaises, poste radio, etc.). Ainsi, ce nouveau crédit doit lui servir de s’approvisionner avec 9 coupes de pagnes et autres divers. En plus, elle souhaite voir ses enfants grandir confortablement et accroitre son entreprise. La cliente remercie Hekima et ses partenaires 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.