Rukiramuka is the secretary of the Maombi group, an experienced entrepreneur, and mother of 7 children, 4 of whom attend school and the others of whom are still young children. Her partner has been unemployed for several years; however he earns small commissions on the sale of parcels of land by the business he used to work in.
Rukiramuka is a reseller of potatoes. She also sells charcoal. She sets up her wares in the public market, and sometimes from her home. Rukiramuka began her business with her own funds received from her husband. Later, she was the recipient of a loan from the microfinance organization Hekima. She has been in business for about 16 years. This new loan will allow her to purchase 4 bags of potatoes and 2 bags of charcoal. With this, she hopes to grow her business, and provide for her children's schooling and food. In closing, she is very grateful to Hekima for their support in microcredit for small entrepreneurs.
La cliente Rukiramuka est secrétaire de l’association d’affaire «Maombi», senior entrepreneur, expérimentée et mère de 7 enfants parmi les quels 4 étudient et d’autres sont encore gosses. Son conjoint est un chômeur depuis plusieurs années, toute fois, il réalise de petites commissions sur les ventes des parcelles dans l’opération au quelle, il a été facilitateur. La cliente est vendeuse des pommes de terre. Elle vend aussi les braises. Elle installe ses marchandises au marché public, parfois à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a environ 16 ans qu’elle exerce ces activités. Ce nouveau crédit va lui servir d’acheter 4 sacs de pommes de terre et 2 sacs de braises. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs.
More information about this loan
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.