Rebeka is the representative of the Akonkwa business group. She is a 48-year-old widow, the mother of 9 children and an experienced entrepreneur. Six of her children are in school while some of the others already have their own families.
Rebeka sells drinks. She displays her merchandise at home. She started in this business using her own funds, received from a village communal bank. Later on she benefited from additional credit from Hekima. She has been involved in this activity for the past 17 years.
Rebeka will use her new loan to buy 13 crates of drinks such as Primus, Skol, Fanta, Coca Cola etc. Loss of merchandise, broken bottles and non-payment from her customers are the challenges that she faces while conducting her professional activity.
Rebeka would like to increase her capital and educate her children. In the end, she is very thankful to Hekima for providing support to small entrepreneurs through microcredit.
La cliente rebeka est conseillère du groupe d’affaire Akonkwa, entrepreneur expérimentée, âgée de 48 ans, veuve et mère de 9 enfants, dont 6 étudient et d’autres ont déjà leurs propre foyers. La cliente est vendeuse de boissons. Elle étale ses produits à son domicile. Elle commença cette affaire avec un crédit d'une association locale(tontine) dont elle était membre. Plus tard, elle bénéficia le crédit additionnel de Hekima. Il y a 17 ans, que elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 13 casiers de Primus, de Skol, Fanta, Coca, etc. Les pertes, cases de bouteilles, non payement par ses clients constituent un défi pour son activité. Elle souhaite augmenter son capital et scolariser ses enfants. Au finish, 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.