This client, Emile, is a president of the loan collective "Amka". She is a senior entrepreneur, experienced, energetic, 45 years old, and a mother of ten children, all students. Her husband is a veterinarian in the public sector. This client sells meat. She sets up in a butcher shop next to the public market and sometimes at home. She started her business with her husband's assistance. Later on, she benefited from a loan from the microfinance institution Hekima. She has been in this business for seven years.
This new loan is going to be used to purchase 2 quarters of beef and 2 pigs. Thus, she would like to provide education to her children, expand her business plans, and build a modern delicatessen. The challenges of developing her business include lack of safety in livestock farming areas, farmer threats, lack of refrigeration, outstanding payments, and exchange losses.
In conclusion, she thanks Hekima very much for promoting autonomy among unbanked women entrepreneurs, especially during this critical time of war in the country's east.
La cliente Emile est une présidente du collectif de crédit « Amka », senior entrepreneur expérimentée, dynamique, âgée de 45 ans et mère de 10 enfants qui étudient tous. Son conjoint un médecin vétérinaire de la division publique. La cliente est une vendeuse de viande. Elle installe ses marchandises dans une boucherie au coté du marché public, parfois à son domicile. Elle commença ses affaires avec l’assistance de son mari. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 7 ans qu’elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 2 quartiers de vaches et 2 porcs. Ainsi, elle souhaite scolariser ses enfants, étendre son projet de commerce et construire une charcuterie moderne. Les insécurités dans les zones d’élevages, les menaces de fermiers par les inciviques, le manque de froid, les impayés, les pertes de change 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.