Jolie is a member of, and advisor to, the business group 'La Conscience', and has been a seller of second-hand clothing for seven years. She is 27 years old, married and mother to four children. One of her children attends school but the other three are too young to attend.
Jolie has requested this loan from the field partner, Hekima, in order to enlarge her business. This new loan will be used to buy a parcel of second-hand clothing. Her husband is a stone mason. He provided the initial money to allow her to go into business.
In the future, she would like to extend her loans, increase her business capital, send her children to school and feed and care for them regularly.
Jolie would like to thank Hekima for the support they offer to women entrepreneurs by extending credit to them without the need for a material guarantee. This is especially important at this critical moment of war in the east of the country.
La Cliente Jolie est une Commerçante depuis 7ans, conseillère et membre d’un groupe d’Affaires « La Conscience» âgée de 27 ans, mariée et mère de 4 enfants qui 1 étudie et trois sont encore gamins. Elle est vendeuse de friperie. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Ce nouveau prêt va la servir pour acheter 1 ballon de friperie. Son conjoint est un technicien maçon. Elle avait reçu son premier fonds par le biais de son mari. Dans l’avenir, elle souhaite accroitre son crédit, son capital, scolariser ses enfants, les nourrir et les soigner régulièrement. Elle remercie Hekima pour son soutien aux femmes entrepreneurs en leur accordant de crédit sans garantie matérielle, 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.