Torwa is the vice-secretary of the business group Buzigire. A young entrepreneur, Torwa is 28 years old, married, and a mother of six children, who all go to school. Her husband is a sawyer.
Torwa has been selling fish for a living for about six years. She lays out her goods along the road. She started this business with funds from her uncle. Later, she benefited from a loan with the MFI Hekima. This new loan will allow her to buy 150 fish to sell. Insecurity and the financial crisis are major challenges to her business. She hopes to increase her capital and educate her children.
Finally, she wants to strongly thank Hekima for their support in micro-lending.
La cliente TORWA est secrétaire du groupement d’affaire Buzigire, jeune entrepreneur, âgée de 28 ans, mariée et mère de 6 enfants, qui étudient tous. Son conjoint est un scieur de bois. La cliente est vendeuse des poissons. Elle étale ses marchandises au long de la rue. Elle commença cette affaire avec son fonds reçu de son oncle. Plus tard, elle bénéficia le crédit de l’IMF Hekima. Il y a environs 6 ans, elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 150 poissons à marchander. L’insécurité, la crise financière sont de défis majeurs pour son activité. Elle souhaite accroitre son capital, scolariser ses enfants. In fine, elle remercie fortement Hekima pour son soutien en microcrédit.
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.