Makoma is the advisor of the borrowing group La Verite ("the truth"). She is a young entrepreneur, experienced, 35 years old and the mother of 5 children, all of whom attend school. Her husband is a tailor.
Makoma is a seller of manioc flour. She sets up her wares in a farm store and sometimes from her home. She began her business with her own funds received from her husband. Later, she received a loan from the microfinance organization Hekima. She has been in the flour selling business for around 4 years.
This new loan will allow Makoma to purchase 3 bags of manioc flour. With this, she hopes to grow her business, provide schooling and food for her children, and build a house. In closing, she is extremely thankful to Hekima for their support of small businesses via microcredit.
La cliente Makoma est conseillère du groupe communautaire de crédit « La verite»,jeune entrepreneur, expérimentée, âgée de 35 ans et mère de 5 enfants qui étudient. Son conjoint est un couturier modéliste. La cliente est vendeuse des farines de Manioc. Elle installe ses marchandises dans un dépôt agricole et 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 4 ans qu’elle exerce cette activité de vente de farine. Ce nouveau crédit va lui servir d’acheter 3 sac de farine de Manioc. Ainsi, elle souhaite accroitre son entreprise,scolariser, nourrir 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.