The customer, Djuma, is an entrepreneur and leader of the group Etoile. She is 47 years old, widowed and the mother of 7 children. Only one of her children goes to school, 4 children do not, due to a lack of financial resources, and the other 2 children have their own households. Her husband died after a sudden illness.
Djuma sells drinks (Primus beer and Fanta) from her home. She has been in this line of work for 25 years. She started her business with her own funds and later benefited from a basic loan from the MFI Hekima. She plans to use this new loan to stock up on drinks including 10 cases of Primus and 5 cases of Fanta. The rest of the loan money will be used to buy cassava flour so that she can feed her children. She also aims to build up her savings and buy a plot of land for her family.
The customer commends the initiative of Hekima and its actions in aid of impoverished, "non-bankable" women.
La cliente Djuma est entrepreneur, présidente du groupe Etoile, âgée de 47 ans, veuve, mère de 7 enfants. Seulement 1 enfant qui étudie, 4 n’étudient pas faute de moyens financiers et deux autres ont déjà leurs propres foyers. Son mari fut décède suite d’une maladie inopinée. Elle est vendeuse de boissons (bière Primus et Fanta) à son domicile. Il ya 25 ans qu’elle exerce cette activité. Elle démarra son business avec son fonds propre. Plus tard, elle bénéficia de crédit de base de l’IMF Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 10 casiers de Primus, 5 casiers de Fanta,etc. Le reste d’argent de crédit lui servira pour acheter la farine de manioc pour alimentation des enfants. En plus, elle ambitionne augmenter son épargne et acheter une parcelle pour sa famille. La cliente salut l’initiative de Hekima pour ses actions en faveur de pauvres femmes non bancables.
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.