Client Kapinga is an excellent businesswoman. She is the president, and at 65 years, the elder of the group Sarepta. She is married, mother of 10 children, and has several grandchildren. Every one of her 10 children has a university degree. Her husband is an accountant in a public enterprise «National Coffee office (ONC) ». The client is a baker. She also has a shop to optimise her income. She has been a baker for 33 years. She started her business with her own funds from selling the harvest of her field. This harvest was worth about 6$ at that time. This new loan will enable her to stock up on raw materials (20 bags of flour, sugar, yeast, etc.) In addition she aims to expand her business, especially the area for production, and teach her children how to be independent. The client thanks Hekima for their action in favour of poor people who are excluded from the classic banking system.
La cliente Kapinga est entrepreneur excellente, présidente et doyenne du groupe d’affaire « Sarepta », âgée de d’environ 65 ans, mariée, mère de 10 enfants et plusieurs descendants. Tous ses 10 enfants ont leurs diplômes universitaires. Son mari est un comptable dans une entreprise publique « Office national du café (ONC)». La cliente est boulangère. Elle a aussi une boutique pour maximiser assez des revenus. Il ya 33 ans qu’elle exerce cette activité de boulangerie. Elle démarra son business avec de fonds propre issu de production de récolte du champ. Cette récolte valait presque 6$ à l’époque. Ce nouveau crédit doit lui servir de s’approvisionner avec des matières premières (20 sacs de farine, sucre, levures, etc.). En plus, elle ambitionne agrandir son entreprise et surtout l’espace de production et initier ses enfants dans l’auto prise en charge. La cliente remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique.
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.