The client Kyakimwa, a member of the credit association “Kimya,” is a very courageous entrepreneur, 39 years old, and the mother of four children who attend school. Her husband is a nurse who cares for people in a hospital in their area. She sells fish. She sets up her products in the central market of Virunga. She started her business with her own funds that she received from her husband. After that, she received some additional funds through l’IMF Hekima. She has been doing this type of income generating work for 17 years. Even so, she has completed and benefitted from five loan cycles through l’IMF Hekima. The insecurity within the province threatens the development of her business. This new loan will allow her to stock up on her merchandise of fish (24 cases) and the rest of the money will be reinvested in her business. In addition, she hopes to see her children grow up, finish their studies, and to build a house. The client would like to thank Hekima for its actions dedicated to poor women for their economic and financial liberation.
La cliente Kyakimwa, membre de l’association de crédit « Kimya », est un entrepreneur très courageuse, âgée de 39 ans, mère de 4 jeunes enfants qui étudient tous. Son mari est infirmier soignant dans un hôpital de la place. Elle est vendeuse des poissons. Elle installe ses marchandises dans le marché central de Virunga. Elle commença son business avec son fonds propre reçu de son conjoint. Plus tard, elle bénéficia un fond additionnel de crédit de base de l’IMF Hekima. Il y a 17 ans révolus qu’elle exerce ces petites activités génératrices de revenus. Cependant, elle vient de réaliser 5 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 les poissons (24 colis) et le reste d’argent sera affecté dans l’investissement. En plus, elle souhaite voir ses enfants grandir, finir leurs études et construire une maison. La cliente remercie Hekima pour ses actions dédiées de pauvres femmes pour leur émancipation économique et financière.
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.