The client Wabiwa is the secretary of the Baraka group. Employed as a civil servant, she is 45 years old and mother to 10 children who all go to school. The requested loan will help her to buy diverse products including bags of rice, sugars, cases of alcoholic drinks and several cartons of soap. She thanks Hekima and its partners for their actions.
La cliente Wabiwa est secrétaire dans le groupe Baraka. Engagée à fonctionnaire de l’Etat, est âgée de 45 ans, mère de 10 enfants tous scolarisés. Le credit demandé va lui servir à l’achat des produits divers dont les sacs de riz, des sucres, des casiers de boissons alcoolisées et quelques cartons de savon. Elle remercie Hekima et ses partenaires pour ses actions.
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.