Kahambu, the customer, is the Uaminifu Renové group's secretary. She is married and the mother of 5 children. Her husband is a farmer. All of her children attend, or have attended, school. Her eldest child is already a doctor, the second, a male nurse, the third is at the college of economy and the other 2 are in secondary school. She started her business with her own money and sells various items. She owns a kiosk in the town of Goma. This new loan will allow her to buy flour, Rina cooking oil, sugar, soap, manufactured products and other items. The customer thanks Hekima for its actions in aid of impoverished women excluded from regular banks.
la cliente Kahambu est secrétaire du groupe Uaminifu Renové, mariée, mère de 5 enfants. Son mari est cultivateur. Tous ses enfants étudient. Son fils aîné est déjà médecin, le second infirmier, le 3eme fait la faculté d’économie et les 2 autres sont aux études secondaires. Elle commença son business avec son fond propre. Elle fait le commerce général de divers. Elle a une boutique/kiosque dans la ville de Goma. Ce nouveau crédit doit lui servir d’approvisionner son stock avec les farines, huile de table Rina, sucre, savon, produits manufacturés, etc. La cliente remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique.
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.