This client, Ndalemwa, is the president of a business association called "Mkono Mkononi". An experienced entrepreneur, she is 45 years old and the mother of twelve children, of whom five are students. Her husband is a master builder-mason. This client sells a variety of goods. She owns a small kiosk (store) set up in her home. She started her business with her own funds from her husband about fourteen years ago.
This new loan will be used to purchase various goods (boxes of soap, boxes of candy, cookies, 10 flashlights, batteries, lotion, matches, Omo detergents, etc.) Thus, she would like to grow her enterprise and to provide schooling and food for her children, as well as to buy a house. In conclusion, she thanks Hekima very much for its micro-credit support for small-scale entrepreneurs.
La cliente Ndalemwa est présidente d’une association d’affaire « Mkono mkononi», entrepreneur expérimentée, âgée de 45 ans et mère de 12 enfants dont 5 étudient. Son conjoint est un Maître maçon constructeur. La cliente est vendeuse des articles divers. Elle est propriétaire d’un petit kiosque (boutique) installé à son domicile. Elle commença ses affaires avec son fonds propre reçu de son conjoint, il y a environ 14 ans. Ce nouveau prêt va lui servir d’acheter les articles divers (carton de savons, cartons de bonbons, biscuits, 10 pièces de torches, piles, lotion, allumettes, savons Omo, etc.). Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses enfants et acheter une 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.