Bwira is the secretary for the Aranti lending group, a courageous entrepreneur, and a mother of 8 children, all of whom attend school. Her husban is a teacher. She has been selling fish (smoked and salted) for the past 18 years, a business that she began with financing from her husband. She is asking for a loan in order to purchase four baskets of fish. She sometimes faces difficulties with her business due to the decay of her products. The lack of quality control along the chain, from when the fish it caught to when she has it in hand to sell is a real challenge for the business. She hopes to someday purchase a plot of land, to ensure her children remain in school, and to increase her profits. She is thus very grateful to Hekima for the support provided to her business.
Bwira est secrétaire du groupe Ararati, entrepreneur courageuse, mère de 8 enfants qui étudient tous. Son conjoint est un enseignant. La cliente est vendeuse de poissons (fumés et salés). Elle commença son affaire, avec son fonds propre reçu de son mari. Il y a 18 ans, que cette cliente exerce cette activité. Le nouveau prêt va lui servir de payer les 4 paniers des poissons. Parfois, cette cliente connait des pertes énormes suite à la pourriture et émiettement de ses produits. L’insécurité au long de la route est un handicap pour leur commerce. La cliente souhaite acheter une parcelle, scolariser ses enfants accroitre son capital. Ainsi, elle remercie fortement Hekima pour son soutien en microcrédit.
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.