Charlotte, the customer, is an advisor to the business group "Zawadi". A young and dynamic entrepreneur with a lot of experience, she is 28 years old, divorced and the mother of a child who goes to school. Charlotte sells socks. She displays her products at the market and, occasionally, at home. She started her business with a basic loan from the MFI Hemika about 5 years ago. This new loan will be used to buy 2 bales of socks. She would like to increase her business, to feed and educate her child and to buy a plot of land and build a nice house on it. Her lack of sufficient funds is a challenge to the development of her business. Finally, she would like to strongly thank Hekima for its support of small entrepreneurs in the form of microloans.
Note: one of the customers in the photo is carrying her baby.
La cliente Charlotte est conseillère du collectif d’affaire « Zawadi», junior, entrepreneur dynamique expérimentée, âgée de 28 ans, divorcée et mère d’un enfant qui étudie. La cliente est vendeuse des chaussettes. Elle installe ses objets au marché et parfois à son domicile. Elle commença ses affaires avec le crédit de base de l’IMF Hekima, il y a environ 5 ans. Ce nouveau prêt va lui servir d’acheter 2 ballons des chaussettes. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir son enfant et acheter une parcelle et y construire une belle maison. L’insuffisance du capital constitue un défi pour le développement de son activité. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs. Il est à noter qu'une cliente porte son bébé.
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.