Lenge, the borrower, is the president of the business group "Solidarité". She is married and the mother of six young children. Her husband is an experienced mason and a builder. Lenge sells clothing and various other goods. She works as an itinerant seller.
She started her own business with a loan received from the microfinance institution Hekima and she has already completed 11 loan cycles.
She will use this new loan to buy approximately 20 sets of pagnes (traditional African fabrics) for resale.
With her profits, Lenge will be able to pay the rent, her children's school fees etc. In the future, she would like to buy a plot of land. She thanks Hekima for its support and for empowering women involved in small businesses.
It should be noted that (in the photo) one of the borrowers is carrying her baby.
La cliente Lenge est présidente du collectif d’affaire "Solidarité", elle est mariée et mère de 6 jeunes enfants. Son mari Maître maçon constructeur. La cliente est vendeuse d’habillement et divers. Elle est colporteur. Elle commença son entreprise avec le crédit de l’IMF Hekima. Elle a réalisé 11 cycles de crédit. Ce nouveau prêt doit lui servir de s’approvisionner avec plus au moins 20 pièces de pagnes à marchander . Les bénéfices de ses activités, lui permettent de payer le loyer, la scolarité, etc. Dans le futur, elle ambitionne acheter une parcelle. Ainsi, elle remercie Hekima pour son appui et autonomisation des petits entrepreneurs femmes.Il sied de signaler qu'une cliente tient 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.