Mamisa, the leader of the "Mizeituni" group, is a dynamic entrepreneur. She is 39 years old and the mother of 6 young children who are all studying. She sells sorghum. Her husband is a veterinary nurse. Mamisa displays her merchandise at the communal market of Nyabushongo. She started her business selling semolina with her own funds, received from her husband. Later on, she benefited from additional funds in the form of a $50 loan from MFI Hekima. She has been in this line of work for 4 years. She has just completed 8 loan cycles with the MFI Hekima microfunding program. The insecurity in the province's interior is threatening the development of her business. This new loan should allow her to buy 2 bags of sorghum and the rest of the money will be spent on her children's education. She would also like to see her children grow up and buy a house.
The customer thanks Hekima for its actions helping impoverished women achieve economic and financial emancipation.
Some customers in the picture are carrying their babies.
La cliente Mamisa, leader de l’association de crédit « MIzeituni », est un entrepreneur dynamique, âgée de 39 ans, mère de 6 jeunes enfants qui étudient tous. Elle est vendeuse de sorgho. Son mari est Infirmier vétérinaire. Elle installe ses marchandises au marché communal de Nyabushongo. Elle commença son business par la vente de semoule avec son fonds propre reçu de son mari. Alors, plus tard elle bénéficia un fond additionnel de crédit de 50$ de l’IMF Hekima. Il y a 4 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 8 cycles en profitant du programme de microcrédit de l’IMF Hekima. L’insécurité dans l’intérieur de la province constitue une menace pour le développement de ses activités. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs de sorgho et le reste d’argent sera affecté dans la scolarité des enfants. En plus, elle souhaite voir ses enfants grandir et acheter une maison. La cliente remercie Hekima pour ses actions dédiées de pauvres femmes pour leur émancipation économique et financière. Il sied se signaler que certaines clientes portent leurs bébés.
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.