Naweza is a member and advisor of the Maisha business group. She is a 45 year old entrepeneur and is married and mother to eight children. Her husband is a designer and dressmaker. Naweza sells shoes on the roadside. She started this business with a loan from the microfinance institution Hekima. She has been trading shoes for around 2 years. This new loan will enable her to buy 50 pairs of shoes that she can sell. The biggest challenges for her businessy are lack of security and the financial crisis. She wants to increase her capital, educate her children and build a house. Ultimately, she would like to thank Hekima for supporting her through microcredit. It should be noted that one member of the group has a baby on her back.
La cliente Naweza est une conseillère du groupement d’affaire Maisha, entrepreneur, âgée de 45 ans, mariée et mère de 8 enfants. Son conjoint est un modéliste couturier. La cliente est vendeuse des souliers. Elle étale ses marchandises au long de la rue. Elle commença cette affaire avec le crédit de l’IMF Hekima. Il ya environs 2 ans, elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 50 paires de souliers à marchander. L’insécurité, la crise financière sont de défis majeurs pour son activité. Elle souhaite accroitre son capital, scolariser ses enfants et construire une maison. In fine, elle remercie fortement Hekima pour son soutien en microcrédit. Il sied de signaler que, une cliente porte son bébé au dos.
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.