The borrower, Ushindi, is a member of the Ephata credit group. She is a dynamic young entrepreneur, age 22, who recently got married and doesn't have any children yet.
She is a salesperson in her own hardware store and she works with her husband who is also a hardware seller. Ushindi learned her trade from her father before getting married, and she is now quite an expert in the field of construction supplies. Her father also worked in hardware.
Ushindi uses the profits from her business to put some money into savings and to buy food.
She has now just received her fifth loan and plans to use it to buy some electric supplies.
In the future, she and her husband would like to buy a plot of land as they are still newlyweds.
Ushindi thanks Hekima for helping low-income women become independent.
It should be noted that, [in the photo], some of the borrowers are carrying their babies.
La cliente Ushindi est un membre du groupe de crédit Ephata, jeune femme dynamique, entrepreneur, âgée de 22 ans, sans enfant, nouvellement mariée. Elle est vendeuse dans sa propre quincaillerie. Elle s’entraide avec son mari qui est quincailleur. Avant de se marier, elle fut initiée par son père qui est aussi quincailleur. Ainsi, donc, cette cliente maîtrise parfaitement ce secteur de matériaux de construction. Les bénéfices de son activité servent d’épargne, d’alimentation. Cependant, elle vient d’obtenir son 5eme crédit. Ce nouveau crédit doit lui servir de s’approvisionner avec un lot de matériels électriques. En plus, elle souhaite acheter une parcelle dans le futur entant donné qu’ils sont encore de nouveaux mariés. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu. Il sied de signaler que certaines clientes portent leurs bébés.
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.