The client sells beverages (beers and Fanta) out of her home. She started her business with her own funds that she received from her husband.
Subsequently, she received additional funds in the form of a loan from IMF Hekima. She has been working on her business for four years. This new loan will help her buy three cases of beverages (one case of Primus beer, one case of Skol beer, and one case of Fanta). She would like to pay for the schooling of her children and grow her business.
Selling on credit and exchange losses are challenges for developing her business. She strongly thanks Hekima for helping with the independence of women managers not served by the banking system -- especially in this critical moment of war with the east of the country.
La cliente Bwira est une conseillère du collectif de crédit « Mulangani», jeune entrepreneur expérimentée, dynamique, âgée de 28 ans et mère de 6 enfants qui étudient tous. Son conjoint est un fonctionnaire de l’Administration publique. La cliente est une vendeuse des boissons (bières et Fanta). Son siège de vente est à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari. Plus tard, elle bénéficia le fonds additionnels du prêt de l’IMF Hekima. Il y a 4 ans qu’elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 3 casiers (1 casier de Primus, 1 casier de Skol, 1 casier de Fanta). Ainsi, elle souhaite scolariser ses enfants, étendre son projet de commerce. La vente en crédit et les pertes de change sont de défis pour le développement de son activité. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes managers (women managers) non bancables, surtout ; pendant ce moment critique de guerre à l’Est du pays.
Important InformationHEKIMA 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.
About Congo (Dem. Rep.)
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