Chamilonge is the representative of the "Ishara" business group. An experienced entrepreneur, she is 48 years old, married and the mother of 7 children who are all in education. Her husband is a seller of various items (chains, jewelry, rings etc), and she is a food seller. She displays her products along the roadside and sometimes also at her home. She started her business with her own capital received from her husband, about two years ago. She will use this new loan to buy two baskets of fruit (avocados), 1 bag of beans, some plantains, oranges, squash, etc. Rotting and deterioration of the fruit are challenges in the development of her business. Still, she wants to grow her business, educate and feed her children.
Finally, she thanks Hekima for its support for small entrepreneurs.
La cliente Chamilonge est leader du groupe d’affaire « Ishara», femme entrepreneur expérimentée, âgée de 48 ans, mariée et mère de 7 enfants qui étudient tous. Son conjoint est un vendeur d’objets divers (chainette, bijoux, bagues, etc.) La cliente est vendeuse de denrées alimentaires. Elle installe ses produits au long de la rue et parfois à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari, Il y a environ 2 ans. Ce nouveau prêt va lui servir d’acheter 2 paniers de fruits (avocats), 1 sac haricots, les bananes plantains, les oronges, les courges, etc. La pourriture, détérioration sont des défis pour le développement de son activité. 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.