This client, Furaha, is the assistant secretary of the business group "Tuliya". She is a young, experienced entrepreneur, 31 years old, and the mother of five children, who are all students. This client is a vendor of beans. She sets up her goods at a farm warehouse (barn).
She started her business with a loan from the microfinance institution Hekima over three years ago. She has already realized many micro-projects for her family through the profits from this business. This new loan will be used to increase her inventory by purchasing 2 sacks of beans. She would thus like to educate her children and build a beautiful house.
In conclusion, she thanks Hekima very much for its micro-credit support for small-scale entrepreneurs who are unbanked. It should be noted that some clients in the photo are carrying their babies.
La cliente Furaha est secrétaire adjointe du groupement d’affaire « Tuliya», jeune entrepreneur expérimentée, âgée de 31 ans et mère de 5 enfants qui étudient tous. La cliente est vendeuse de haricots. Elle installe ses marchandises dans un dépôt agricole (grenier). Elle commença ses affaires avec le prêt de l’IMF Hekima, il y a plus de 3 ans. La cliente a déjà réalisé beaucoup de micro projets pour sa famille à travers les bénéfices de ce commerce. Ce nouveau prêt va lui servir d’accroitre son portefeuille en achetant 2 sacs de haricots. Ainsi, elle souhaite scolariser ses enfants et construire une jolie maison. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs non bancables. Il sied de signaler que certaines clientes portent leurs bébés.
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.