Sofi is the leader of the “La Conscience” business group. She is an experienced business woman and the most senior member of the group. She is 63 years old, married and the mother of 10 children, some of whom already have families of her own. Her husband works in IT.
Sofi sells vegetables at the market. She began this business four years ago with her own money that she received from her husband.
This new loan will help her buy vegetables. During the dry season, she has difficulties finding produce. So she is seeking to increase her capital and feed her children.
Finally, she would like to thank Hekima for providing support through microcredit to small-scale entrepreneurs.
It should be noted that one group member is holding her baby.
La cliente Sofi est conseillère du groupe d’affaire « La Conscience », doyenne, entrepreneur expérimentée, âgée de 63 ans, mariée et mère de 10 enfants certains ont déjà leurs familles respectives. Son conjoint est un informaticien. La cliente est vendeuse des légumes. Elle installe ses produits au marché. Elle commença ces affaires avec son fonds propre reçu par son mari. Il y a 4 ans, elle fait ce petit commerce. Ce nouveau prêt va lui servir d’acheter les légumes. Pendant la sécheresse, elle a des difficultés de trouves les marchandises. Ainsi, elle souhaite accroitre son capital, nourrir ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs. Il sied de signaler qu'une cliente porte son bébé.
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.