The client Hanyurwa is a teacher at the Mboga secondary school.
He receives regular loans from Hekima which he adds to his salary to improve his financial situation. Because of two loans he recently received from this microfinance program, he made a small investment (bought a piece of land) and sent his brothers to school.
Hanyurwa is married and a father of one child. His wife works in small-scale commerce.
This new loan is to be used to open a general store in his area.
Hanyurwa highly commends the initiative of Hekima and their partners to think of the working poor, such as teachers and others.
Le client Hanyurwa est enseignant dans un institut secondaire Mboga. Ce client bénéficie régulièrement le prêt de l'IMF Hekima pour renforcer ses affaires, qu'il adjoint a son salaire. Grace aux deux crédits, il vient de recevoir auprès de ce programme de microfinance, il a réalisé de petits investissements (achat parcelle) et scolariser ses frères. Le client est marié et père d'un enfant. Son épouse s'occupe de petits commerce. Ce nouveau crédit doit lui servir d'ouvrir un magasin général dans son quartier. Le client salut grandement l'initiative de Hekima et ses partenaires de songer aux petits salariés tels que les enseignants et autres.
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.