The borrower, Chibunga, is the vice-president of the Umoja business group. She is 48 years old and a hardworking entrepreneur. She is married and the mother of six children who all go to school. Her husband is a driver.
Chibunga works as primary school teacher in the village of Kavumu. Additionally, she sells plastic items, displaying her merchandise in the street. She started in this business using her own funds, built up from a salary she received around 1988.
Chibunga will use this new loan to buy various plastic items (30 tubs, 10 buckets, 50 plates, 20 cups etc.). Extremely high taxes constitute a major challenge for her commercial activity.
Chibunga would like to increase her capital and educate her children. In the end, she thanks Hekima very much for providing support to small entrepreneurs through microcredit.
It should be noted that [in the photo] one of the borrowers is carrying her baby.
La cliente Chibunga est vice présidente du groupement d’affaire Umoja, entrepreneur expérimentée, âgée de 48 ans, mariée et mère de 6 enfants, qui étudient tous. Son conjoint est un chauffeur. La cliente est Enseignante dans une école primaire dans le village de Kavumu. Elle est aussi vendeuse des plastiques. Elle étale ses marchandises au long de la rue. Elle commença cette affaire avec son fonds qu’elle s’était constitué à travers de son salaire vers les années 1988. Ce nouveau prêt va lui servir d’acheter divers vases de plastiques (30 bassins, 10 sceaux, 50 assiettes, 20 gobelets, etc.). Les taxes exorbitantes 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 aux petits entrepreneurs. Il sied de signaler qu'une cliente porte son bébé.
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.