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The client Mwavita is the leader of the business group "Arche de Noé." She is a doyenne, experienced entrepreneur, 51 years old, married and mother to 6 children of whom 2 already have their respective families and 4 still study. Her spouse is a teacher in a public school. The client is a seller of used clothing at the central market and sometimes from home. In addition, she owns a boutique of a variety of items. She started her businesses with her own funds received from her husband, about 15 years ago. This new loan will be used to buy 2 bundles of used clothing. Thus, she hopes to grow her business, school and feed her children. Finally, she deeply thanks Hekima for its microloan support to small entrepreneurs.
La cliente Mwavita est leader du groupe d’affaire « Arche de Noé», doyenne, entrepreneur expérimentée, âgée de 51 ans, mariée et mère de 6 enfants dont 2 ont déjà leurs familles respectives et 4 étudient encore. Son conjoint est un enseignant dans une école publique. La cliente est vendeuse de friperie au marché centrale et parfois à son domicile. En plus, elle est propriétaire d’une boutique de divers. Elle commença ses affaires avec son fonds propre reçu de son mari, Il y a environ 15 ans. Ce nouveau prêt va lui servir d’acheter 2 ballons de friperie. Ainsi, elle souhaite accroitre son entreprise, scolariser et nourrir ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs.
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.