This client, M'macumu, is the president of the group Rhubemuguma. An energetic entrepreneur, she is 42 years old, a widow, and the mother of five children. This client sells grocery items. She has been in this business since she was young. Among her five children, one has not had the chance to go to school due to a lack of financial means.
This new loan is going to be used to purchase 80 kg of cassava flour. She would like to expand her enterprise and build a large agricultural warehouse. In conclusion, she thanks Hekima for its micro-loan support.
La cliente M'macumu est présidente du groupe Rhubemuguma, entrepreneur dynamique, âgée de 42 ans, veuve et mère de 5 enfants.. La cliente est vendeuse des denrées alimentaires. Depuis son jeune âge, elle exerce cette activité. Parmi ses 5 enfants, un n’a pas eu la chance d’étudier faute de moyens financiers. Ce nouveau prêt va lui servir d’acheter 80 kg de farine de manioc. Elle souhaite agrandir son entreprise et construire un grand entrepôt agricole. Au finish, elle remercie Hekima pour son soutien en microcrédit.
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.