Bitaha is a retailer and the vice-president of the Tusaiddiane business group. She is an experienced and dynamic 61-year-old entrepreneur and the mother of 11 children who (have) all attend(ed) school. She sells condiments and pastries (like tomatoes, onions, peppers, chili doughnuts and galette cakes.) She displays her merchandise along the side of the road in a busy district. She started her business with the help of a local association. Her spouse is a pastor. Later on, she benefited from loans from the MFI Hekima. She has been in this line of work for over 20 years. This new loan will be used to buy 2 baskets of tomatoes, one basket of onions, 10 lots of garlic, half a bag of traditional flour, 5 kilos of sugar and 5 litres of oil. She hopes to expand her business, become a wholesaler and be able to educate, clothe and feed her children. Finally, she strongly thanks Hekima for enabling the self-sufficiency of non-bankable women entrepreneurs, especially at this critical time of conflict in the east of the country.
La cliente Bitaha est une commerçante et vice-présidente de l’association d’affaires « Tusaiddiane », entrepreneur expérimentée, dynamique, âgée de 61 ans et mère de 11 enfants qui tous étudient. La cliente est une vendeuse des condiments et de la pâtisserie(tomates, Oignons, poivrons, piments beignets et galettes). Elle installe ses marchandises tout au long de la rue dans un quartier animé. Elle commença ses affaires avec l’assistance d’une association de la place. Son conjoint est un pasteur. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a plus 20 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 2 paniers de tomates, 1 d’oignons, ½ sac de farine de format, 5 kg de sucre, 5 litres d’huile etc. Ainsi, elle souhaite étendre son projet de commerce, devenir grossiste, scolariser, vêtir et nourrir ses enfants.Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout; pendant ce moment critique de conflits 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.
A portion of Tusaidiane Group's $7,550 loan helped a member to buy 2 baskets of tomatoes, one basket of onions, 10 lots of garlic, half a bag of traditional flour, 5 kilos of sugar and 5 litres of oil.