Nyaminya, age 53, is the president of Juhudi Group. She's an energetic senior entrepreneur with lots of experience. She's the mother of ten children who all go to school. Two of them live in their own household.
Nyaminya sells potatoes. She sets up her products at her home. He husband is unemployed, however he occasionally makes some commissions on land lots sales and lease agreements.
Nyaminya started her business with her husband's help. Later on, she benefited from a loan from Kiva's partner, Hekima. She's been running her business for ten years.
This new loan will be used to buy four sacks of potatoes. With it, she hopes to expand her business and send her children to school.
In the end, she strongly thanks Hekima for its contribution to make women who are excluded by traditional banks self-supporting, especially during this critical time of war in the East of the country.
La cliente Nyaminya est une présidente de l’association d’affaire «Juhudi», senior entrepreneur expérimentée, dynamique, âgée de 53 ans et mère de 10 enfants qui étudient tous et 2 ont déjà leurs foyers. La cliente est une vendeuse de pommes de terre. Elle installe ses marchandises à son domicile. Son conjoint est un chômeur, toute fois, il réalise occasionnellement de petites commissions sur la vente de parcelle et contrat de bail. La cliente commença ses affaires avec l’assistance de son mari. Plus tard , elle bénéficia le projet Hekima (le prêt de l’IMF Hekima). Il y a 10 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 4 sacs de pommes de terre. Ainsi, elle souhaite étendre son projet de commerce et scolariser ses enfants. 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.