Bahati is a member of the Salama group and a very ambitious entrepreneur. She is about 45 years old, a widow, and a mother of 13 children.
Bahati sells onions and garlic. She sells her goods in the Birere agricultural warehouse. She actually started her business with a loan from Hekima, and now she has just reached her 10th loan in this micro-lending program.
This new loan is going to allow her to buy six sacs of onions and garlic. The rest of the money will serve to pay for her place in the warehouse.
Her real challenge is the insecurity in the towns and supply areas.
Bahati salutes Hekima's initiative to support the poor.
La cliente Bahati est cliente du groupe Salama, entrepreneur très ambitieuse, âgée d'environ 45 ans, veuve et mère de 13 enfants. Cette cliente est vendeuse d'Oignons et Aies. Elle installe ses produits dans un entrepôt agricole de Birere. Elle commença son affaire avec le crédit de l'IMF Hekima, actuellement, elle vient de réaliser 10 cycles dans ce programme de microcrédit. Ce nouveau prêt va lui permettre de payer 6 sacs d'Oignons et Aies; le reste d'argent servira au payement de loyer de cet entrepôt. Son défi actuel c'est l'insécurité dans les villages et zones d'approvisionnement. Ainsi, elle salut l'initiative de Hekima pour son soutien aux démunis.
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.