The client Sinyobewe is the representative of the primary school teachers' loan group, "EP2 Nyabushongo." Sinyobewe is 46 years old, and the father of eight children who are studying. His wife is a merchant of various goods. Sinyobewe makes a living from his work and he is happy in his career.
This new loan will allow Sinyobewe to improve his living situation by paving his home. In light of this, Sinyobewe hopes to renew his loan as soon as possible, as well as helping his wife expand her business. Lastly, he would like to thank Hekima warmly for their support of micro loans for teachers.
Le client Sinyobewe est représentant du groupe de crédit des enseignants de l’école primaire « EP2 Nyabushongo », âgé de 46 ans et père de 8 enfants qui étudient. Son épouse est une commerçante de divers. Le client vit de son travail et il est confortable de sa carrière. Le nouveau prêt va lui servir d’améliorer son habitat (paver sa maison). Ainsi, elle souhaite renouveler son prêt prochainement et renforcer l’activité de sa femme. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux enseignants.
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.