Nyirakanyana, the borrower, is the secretary of the Maombi business group. She is an experienced entrepreneur and the 39-year-old mother of seven children who all go to school. She sells charcoal at the Majengo market. Her husband works as a security guard for a private organization.
Nyirakanyana started her business using her own funds, received from her husband. Later on, she benefited from additional credit from Hekima. This new loan will help her to buy seven bags of charcoal.
Administrative hassle, as well as theft, are the challenges that Nyirakanyana has to deal with while conducting her business.
Nyirakanyana wishes to increase her capital and be able to send her children to school. In the end, she is very grateful to Hekima for supporting small entrepreneurs through microcredit.
La cliente Nyirakanyana est secrétaire du groupe d’affaire Maombi, entrepreneur expérimentée, âgée de 39 ans et mère de 7 enfants qui étudient tous. La cliente est vendeuse de braises au marché Majengo. Son conjoint est un gardien auprès d’une organisation privée. Elle commença cette affaire avec son fonds propre reçu par son mari. Plus tard, elle bénéficia le crédit additionnel de Hekima. Ce nouveau prêt va lui servir d’acheter 7 sacs de braises. Les tracasseries administratives, le vol constituent un défi pour son activité. Elle souhaite augmenter son capital et scolariser ses enfants. In fine, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs.
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.