The client Nsimire is assistant president to the business group Plamedi, entrepreneur, 40 years old, married and mother to 8 children who all study. Her spouse is unemployed. The client sells corn. She sets up her products in front of her residence. She started this business with her own funds received from her husband. Later, she benefited from a loan from Hekima. She has been practicing this business for 5 years. This new loan will serve to buy 3 bags of corn and to pay for the transport of her merchandise. She hopes to buy a plot of land and pursue the schooling of her children. In conclusion, she strongly thanks Hekima for its microloan support.
La cliente Nsimire est présidente adjointe du groupe d’affaire Plamedi, entrepreneur, âgée de 40 ans, mariée et mère de 8 enfants qui étudient tous. Son conjoint est un chômeur. La cliente est vendeuse de maïs. Elle installe ses produits devant son domicile. Elle commença cette affaire avec son fonds propre reçu de son mari. Plus tard, elle bénéficia le crédit de Hekima. Il ya 5 ans, elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 3 sacs de maïs et de payer le transport de ses marchandises. Elle souhaite acheter une parcelle et poursuivre avec la scolarité de ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit.
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.