Yvone is the president of the borrowing group "Les chérubins" ("The cherubs") and is an experienced, dynamic entrepreneur. She is 42 years old and the mother of 7 children, all of whom attend school. Her husband is a nurse in a community medical center.
Yvone sells beans. She displays her wares at a farm stand, and began her business with the loan from the MFI Hekima. She has been in business for 2 years.
This new loan will allow her to purchase 8 bags of beans. Yvone hopes to educate her children, expand her business offerings, and to build an attractive home for her children. Rebel looting and insecurity in her supply zones are challenges for her business. In closing, she sincerely thanks Hekima for their support of autonomy of female entrepreneurs not eligible for traditional banking, especially during this critical war period in the east of the country.
La cliente Yvone est une présidente de l’association d’affaire « Les chérubins », senior entrepreneur expérimentée, dynamique, âgée de 42 ans et mère de 7 enfants qui étudient tous. Son conjoint un infirmier dans une structure médicale communautaire. La cliente est une vendeuse de haricots. Elle installe ses marchandises dans un dépôt agricole. Elle commença ses affaires avec le prêt de l’IMF Hekima. Il y a 2 ans qu’elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 8 sacs de haricots. Ainsi, elle souhaite scolariser ses enfants, étendre son projet de commerce et construire une jolie maison pour ses enfants. Les pillages par les rebelles et l’insécurité dans les zones d’approvisionnement sont de défis pour le développement de son activité. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout ; pendant ce moment critique de guerre à l’Est du pays.
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.