The customer, Kahambu, is the leader of the "La paix Virunga" group. She is an entrepreneur and married with six young children. Her husband is unemployed, although he makes small commissions on selling pieces of land. The customer sells vegetables and other foods. She began this business with a loan from IMF Hekima. The challenge in her business is when she loses large quantities of her vegetables, above all when she does not manage to sell them the same day as they are picked. This new loan will be used to get fresh supplies of "sombe" (a dish of boiled and pounded cassava leaves), bananas, sweet potatoes etc. She thus thanks Hekima for its program dedicated to small entrepreneurs who cannot access banks.
La cliente Kahambu, est le leader du groupe « La paix Virunga », elle est entrepreneur, mariée et mère de 6 jeunes enfants. Son conjoint est sans emploi, toute fois, il réalise de petites commissions sur la vente de parcelle. La cliente est vendeuse de légumes et autres denrées alimentaires. Elle a commence cette affaire avec le crédit de l’IMF Hekima. Le défi de son activité est quand, elle connait de grandes pertes de ses légumes, surtout lorsque, elle ne parvient pas a les écouler le même jour de la cueillette. ce nouveau prêt doit lui servir de s’approvisionner avec le Sombe, Bananes, patates douces, etc. Ainsi, elle remercie Hekima pour son programme dédié aux petits entrepreneurs non bancables.
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.