This client, Margerite, is the vice-president of the business group Busime. An experienced entrepreneur, she is 50 years old, married, and the mother of four children, who already have their own households. This client sells fish and other food items. She sets up her products in front of her home. She started this business with her own funds gotten from her husband. Later on, she benefited from Hekima loans. She has been in this business for twenty years.
This new loan is going to be used to purchase 60 kg of fish, 12 kg of young fish, 2 containers of palm oil, etc. She would like to grow her capital. In conclusion, she thanks Hekima very much for its micro-loans supporting women entrepreneurs to be autonomous.
It should be noted that certain clients in the photo are carrying their babies and that the photo was taken in a hurry during a lot of yelling, since a rainstorm was threatening the village of Kavumu.
La cliente Margerite est présidente adjointe du groupe d’affaire Busime, entrepreneur expérimentée, âgée de 50 ans, mariée et mère de 4 enfants qui ont déjà leurs foyers. Son conjoint est un cultivateur. La cliente est vendeuse des poissons et autres denrées alimentaires. Elle installe ses produits devant son domicile. Elle commença ces affaires avec son fonds propre reçu par son mari. Plus tard, elle bénéficia le crédit de Hekima. Il y a 20 ans, elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 60 poissons, 12 kg de fretins, 2 bidons d’huile de palme, etc. Elle souhaite accroitre son capital. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit pour autonomiser les femmes entrepreneurs. Il sied de signaler que certaines clientes portent leurs bébés, et que la photo fus prise précipitamment lors de braillards, quand une forte pluie menacée de tomber dans ce village de Kavumu.
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.