Lopembe is a member of the loan group "Ukweli." She is a courageous woman, an entrepreneur, and the mother of eight children. She is approximately 32 years of age, and is a merchant of various goods. She also sells beignets and bottled drinks (such as Primus and Fanta) from her home to earn supplementary income. Her husband is an ironmonger. Lopembe began her business in 2003 with start up capital she received from her husband. The benefits of her business include building up her savings, and providing food and schooling for their children. She recently completed her 15th loan cycle with Hekima.
Lopembe works in a very difficult location, due to lack of security in the city. With her most recent loan, she plans to purchase supplies, including five cases of Primus, three cases of Fanta, and one parcel of used clothing, among other things. In addition, Lopembe hopes to earn enough income to buy a plot of land in the future.
Lopembe is very thankful to Hekima for their aid in the empowerment of poor women with low incomes. The group would like to note that one of their members is currently expecting a child.
La cliente Lopembe, membre du groupe de crédit Ukweli, Femme courageuse, entrepreneur, âgée d'environ 32 ans, mère de 8 enfants. Elle est vendeuse des divers. En plus, elle vend aussi des beignets, Primus, Fanta, etc., à son domicile pour accroitre ses revenus. Son mari est un quincailleur. Elle commença son business vers les années 2003 avec de fonds propres reçu de son mari. Les bénéfices de son activité servent d’épargne, d’alimentation et scolarité pour ses enfants. Cependant, elle vient d’obtenir son 15eme cycle de crédit. Elle travaille dans un contexte très difficile suite à l’insécurité dans la ville. Ce nouveau crédit doit lui servir de s’approvisionner avec 5 casiers de Primus, 3 casiers de Fanta, 1 ballon de Friperies, etc. En plus, elle souhaite acheter une parcelle dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu. Il sied de signaler une cliente porte son bébé
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.