The client named Mukubanya is the treasurer and the elder of the Tusonge Mbele business group. She is a 67 year old businesswoman, a widow and has seven children who have their own homes. Her youngest son is at university doing his second year before graduating. The client sells sugary drinks (Fanta, Coca, etc.) She started this business in the 1980s with her own money. This new loan will enable her to purchase 25 crates of sweet drinks. Broken bottles are a source of financial loss for her activity. She would like to repair her home and spend the rest of her days with her children and her grandchildren. Finally, she thanks Hekima very much for their micro-credit support. It should be noted that the photo was taken in an awkward place in the slums so some of the faces are not visible.
La cliente Mukubanya est trésorière et doyenne du groupe d’affaire Tusonge Mbele, entrepreneur, âgée de 67 ans, veuve et mère de 7 enfants qui ont déjà leurs propres foyers. Son fils cadet est un universitaire et fait la deuxième de graduat. La cliente est vendeuse des boissons sucrées (Fanta, Coca, etc.). Elle commença cette affaire vers les années 1980 avec son fonds propre. Ce nouveau prêt va lui servir d’acheter 25 casiers de boissons sucrées. Les casses de bouteilles constituent une lourde perte pour son activité. Elle souhaite réfectionner sa maison d’habitation et passer le reste de sa vie en paix avec ses enfants et petits fils. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit. . Il sied de signaler que la photo fut prise à un endroit encombrant, dans un bidonville, d’où certaines figures non visible.
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.