This client, Buhendwa, is a member of the business group "Bon Samaritain". A young experienced entrepreneur, she is 38 years old, a widow, and a mother of two children, who are both students. Her husband died violently. This client is a legal vendor of CD's, disks, audiocassettes, etc. She is an associate of an Edition studio. She started this business with funds from her family as a form of assistance. She opened this enterprise three year ago.
This new loan will be used to purchase CD's, disks, audiocassettes, etc. The major obstacles in developing her business include power outages during storms and a lack of modern technology. So, she would like to increase her capital, provide schooling to her children, and purchase a plot of land. In conclusion, she thanks Hekima very much for its micro-credit support of small-scale entrepreneurs.
La cliente Buhendwa est membre du groupe d’affaire «Bon Samaritain», jeune entrepreneur expérimentée, âgée de 38 ans, veuve et mère de 2 enfants qui étudient tous. Son conjoint fut brutalement décédé. La cliente est vendeuse légale de CD, disques, audio cassettes, etc. Elle est sociétaire d’un studio d’Edition. Elle commença ces affaires avec son fonds propre reçu par sa famille sous forme d’une aide. Il y a 3 ans, elle ouvert cette entreprise. Ce nouveau prêt va lui servir d’acheter des CD, disques, audio cassettes, etc. Les coupures intempestives du courant électrique, manque de technologie moderne sont obstacles majeurs pour le développement de son activité. Ainsi, elle souhaite accroitre son capital, scolariser ses enfants et acheter une parcelle. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs.
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.