This client, Malekera, is the vice-president of the group Rhudosanye. An energetic entrepreneur, she is 50 years old, married, and the mother of nine children. Her husband is unemployed. This client sells fish. She has been in this business since she was young. She displays her goods at the Kavumu market. Among her nine children, some are adults who already have their own families, while others are still students.
This new loan is going to be used to purchase 75 fish. 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 Malekera est présidente adjointe du groupe Rhudosanye, entrepreneur dynamique, âgée de 50 ans, mariée et mère de 9 enfants. Son conjoint est un chômeur. La cliente est vendeuse des poissons. Depuis son jeune âge, elle exerce cette activité. Elle expose ses produits au marché de Kavumu. Parmi ses 9 enfants, il ya des majeurs, qui ont déjà leurs familles et d’autres qui étudient encore. Ce nouveau prêt va lui servir d’acheter 75 poissons. 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.