Lukenge, the customer, is a member of the "Uhaki" business group. She is a young and experienced entrepreneur of 35 years of age. She lives alone and is the mother of 6 children who all go to school. Her children's education is being covered by her relatives. Lukenge sells doughnuts and curdled milk. She sells her merchandise at the market and sometimes at home. She started her business with her own funds, which she received from her brother about 13 years ago. This new loan will be used to buy items including 10 bags of flour, 2 cans of Rina oil, 5 cans of curd, 1 box of yeast and 1 bag of sugar. She wishes to increase her business, to feed her children and to build a nice house. Finally, she would like to strongly thank Hekima for the support it provides to small entrepreneurs in the form of microloans.
La cliente Lukenge est membre du collectif d’affaire « Uhaki», jeune entrepreneur expérimentée, âgée de 35 ans. Femme vivant sans mari et mère de 6 enfants, qui étudient tous. Cependant, la scolarité de ses enfants sont pris en charge par ses familiers. La cliente est vendeuse de beignets et lait caillé. Elle installe ses produits au marché, parfois à son domicile. Elle commença ses affaires avec son fonds propre reçu de son frère familier, il y a environ 13 ans. Ce nouveau prêt va lui servir d’acheter 10 sacs de farine, 2 bidons d’huile Rina, 5 bidons de lait caillé, 1 box de levures, 1 sac de sucre, etc. Ainsi, elle souhaite accroitre son entreprise, nourrir ses enfants et construire une belle maison. 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.