This client, M'fundi, is the president and most senior member of the group Amani. An energetic entrepreneur, she is 52 years old, married, and the mother of fourteen children, of whom some are adults with their own households already. Her husband is unemployed. This client sells beans at the Kavumu market. She has been in this business since she was young.
This new loan is going to be used to purchase 8 sacks of beans. She would like to expand her enterprise and build a nice house. In conclusion, she thanks Hekima very much for its micro-loan support. It should be noted that one client in the photo is holding her child.
La cliente M'fundi est présidente et doyenne du groupe Amani, entrepreneur dynamique, âgée de 52 ans, mariée et mère de 14 enfants, parmi les quels il ya des majeurs qui ont déjà leurs ménages. Son conjoint est un chômeur. La cliente est vendeuse de haricots au marché de Kavumu. Depuis son jeune âge, elle exerce cette activité. Tous ses enfants étudient. Ce nouveau prêt va lui servir d’acheter 8 sacs de haricots. Elle souhaite agrandir son entreprise et construire une jolie maison. Au finish, elle remercie Hekima pour son soutien en microcrédit.Il sied de signaler qu’une cliente tient son enfant.
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.