Victorine is the president of the group "Ukweli". She is dynamic and the most experienced entrepreneur [of the group]. She is 64 years old, widowed, and the mother of 10 children, who are all married.
Victorine sells clothes (pagnes) along a road in a busy area. She started this business with the help of her husband (who was alive at the time). Later, she benefited from a loan from Hekima. She has been in this business now for 18 years.
This new loan will be used to buy 12 pagne outfits.
She hopes to expand her business and also build a house for her grandchildren.
Finally, Victorine wants to strongly thank Hekima for their support to make female entrepreneurs, who cannot access traditional financial services, independent, especially during this critical time of war in the east of the country.
La cliente Victorine est une présidente de l’association d’affaire « Ukweli », senior entrepreneur expérimentée, dynamique, âgée de 64 ans, veuve et mère de 10 enfants qui sont tous mariés. La cliente est une vendeuse d’habits (pagnes). Elle installe ses marchandises au long de la rue dans un quartier animé. Elle commença ses affaires avec l’assistance de son mari (alors de son vivant). Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 18 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 12 pièces de pagnes. Ainsi, elle souhaite étendre son projet de commerce et construire une maison pour ses petits fils. 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.