The client Kasengaire is president and dean of the business group Safi, entrepreneur, 53 years old, married and mother to 4 children who already have their own homes. Her spouse is unemployed. The client sells a variety of items in a store. She started this business with a loan from the MFI Hekima. She has been in this business for 2 years. This new loan will serve to buy a variety of items (sugars, soaps, cartons of biscuits, juice, sardines, beauty lotion, candies, etc.). She hopes to buy and build with durable materials on her plot of land and pursue the schooling of her children. In conclusion, she strongly thanks Hekima for its microloan support. It should be noted that one client is carrying her baby.
La cliente Kasengaire est présidente et doyenne du groupe d’affaire Safi, entrepreneur, âgée de 53 ans, mariée et mère de 4 enfants qui ont déjà leurs propres foyers. Son conjoint est un chômeur. La cliente est vendeuse des articles divers (magasin). Elle commença cette affaire avec le crédit de l’IMF Hekima. Il ya 2 ans, elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter les articles divers (sucres, savons de toilettes, cartons de biscuits, jus, sardines, lotion de beauté, bombons, etc.). Elle souhaite acheter construire en matériaux durable dans sa parcelle et poursuivre avec la scolarité de ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit.Il sied de signaler qu'une cliente porte son bebe.
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.