The borrower, Muteba, is the leader of the business group "Fidélité". She is 42 years old and an experienced entrepreneur. She is also the mother of eight children who all attend school. Her husband is a military officer in the DRC army. Muteba herself sells spices, displaying her goods at home. She started in this business about six years ago, using her own funds received from her husband.
This new loan will help Muteba to buy some spices. The decay of her merchandise is one of the challenges that she faces in the development of her business.
Muteba would like to expand her business, feed and educate her children and build a house for them.
In the end, she would like to thank Hekima for the support it provides to small-scale entrepreneurs, through micro-credit.
La cliente Muteba est leader du collectif d’affaire « Fidélité», entrepreneur expérimentée, âgée de 42 ans, mariée et mère de 8 enfants qui étudient tous. Son conjoint est officier militaire dans les forces armées loyalistes. La cliente est vendeuse des épices. Elle installe ses produits à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari, Il y a environ 6 ans. Ce nouveau prêt va lui servir d’acheter les épices. La pourriture de ses produits constitue un défi pour l’avancement de son business. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses enfants et construire une maison pour 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.