Espérance is a dynamic woman and the treasurer of the loan group Tusimame. She is 33 years old and has 4 children who all attend school. Married to an unemployed man, she is requesting this new loan so that she can buy 4 bales of bedsheets for resale to ensure her family's survival. She would like her business to increase, and thanks Hekima for its actions.
Madame Espérance est une femme dynamique et trésorière du groupe de credit Tusimame. Elle est âgée de 33 ans avec 4 enfants tous scolarisés.Mariée à un homme sans emploi, elle sollicite ce nouveau credit pour s’approvisionner en 4 ballons des draps de lit afin d'assurer la survie de sa famille. Elle souhaite la croissance de son entreprise et ainsi la cliente remercie Hekima pour ses actions.
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.