Josephine is a member of the Shima group and lives in Ruyigi. She is 30 years old and is married to Deo, a driver. Together they have four children, of whom three go to school.
Josephine has been selling goods (rice, beans, salt...) out of a shop for eight years. This is her fifth loan with Turame. With this Kiva loan, she is going to increase her capital to buy a large number of goods to resell in her shop, in order to earn more.
The income from this business allows her to feed her family and pay her children's school fees.
Joséphine fait partie du groupe Shima et habite à Ruyigi. Elle a 30 ans et est mariée à Déo, un chauffeur. Ensemble ils ont 4 enfants dont 3 étudient.
Elle fait le commerce de boutique (riz, haricot, sel,…) depuis 8 ans.
Elle est à son cinquième crédit à Turame. Avec le crédit KIVA qu’elle obtient, elle va augmenter son capital et acheter beaucoup d’articles de sa boutique (riz, haricot, sel,…) à revendre, pour gagner plus.
Le gain de son commerce lui permet de nourrir la famille et payer les frais scolaires des enfants.
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.