The borrower, named Kataka, is the representative of the Twanzane-GS credit sub-group. She is a young, dynamic entrepreneur, aged 28, and the mother of three children. Her husband used to work for Delta Protection, a surveillance company, but he is now on extended leave.
Kataka sells cellular phone units and other various goods. She started in this business around 2008 using her own funds received from her husband. Later on, she also benefited from a loan from Hekima.
This new loan will be used to buy cellular phone units and other various goods (Omo soap, sugar, beauty lotions, shoes, Fanta drink, gasoline, sardines, clothes, deodorant etc.)
Disruptions of satellite systems constitute a challenge for her activity, especially during the transfer of cellular units. Kataka was also the victim of a theft when members of the M23 rebel group entered the city of Goma.
In the end, she thanks Hekima very much for the support it provides to small-scale retailers.
La cliente Kataka, représentante du sous groupe de crédit Twanzane-GS, jeune entrepreneur dynamique, âgée de 28 ans et mère de 3 enfants. Son conjoint est un ancien agent d’une entreprise de sécurité « Delta protection », actuellement mise en disponibilité. La cliente est vendeuse des unîtes cellulaires et des articles divers. Elle commença ses activités vers les années 2008 avec un fonds propre reçu de son mari. Plus tard, elle bénéficia d’un crédit additionnel de Hekima. Ce nouveau prêt va lui servir d’acheter des unites cellulaires et les articles divers (savons Omo, sucre, lotion de beauté, souliers, Fanta, riz, pétrole, sardine, vêtements, déodorant, etc. La perturbation de réseaux satellitaire constitue un défi pour son activité surtout lors de transfert des unités cellulaires. Cette cliente a aussi été victime d’un vol lors de l’entrée de rebelles du M23 dans la ville de Goma. Au finish, elle felicite Hekima pour son soutien aux petits commerçants.
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.
A portion of Twanzane-Gs Group's $2,900 loan helped a member to buy cellular units and other various goods (Omo soaps, sugar, beauty lotion, shoes, Fanta, rice, gasoline, sardines, clothes, deodorant etc.).