Habamungu, the customer, is the leader of the business group Alpha. She is married and the mother of 8 children. She sells fabric at the Katindo market and works together with her spouse in the business. She started the business with her own funds, received from her husband. Her main challenges are the persistent illnesses in her family, the effects of war on her business activities, administrative taxes and other issues. She remains optimistic and will use this loan to buy various items like fabrics, children's clothes, shoes and school bags. Finally, she would like to pay tribute to Hekima's program, which continues to support her during this period of war.
Note: one customer in the photo is carrying her baby.
La cliente Habamungu est présidente du groupe d’affaire Alpha, mariée et mère de 8 enfants. elle vendeuse de tissus au marché de Katindo. Elle s’entraide avec son conjoint dans cette affaire. Elle a commencé cette activité avec son fonds propre reçu de son mari. Le défi majeur pour elle, c’est la persistance de maladies dans sa famille, les effets de la guerre sur ses activités, les taxes administratives, etc. elle reste optimiste, ainsi, ce nouveau prêt va lui servir d’acheter les articles divers (tissus, habillement pour les juniors, souliers, cartables, etc.). au finish, elle salut le programme Hekima qui continue le soutenir pendant cette période de guerre.Il sied de signaler, une cliente porte 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.