Chirimwami has worked in retail for four years, and is a member of the Tujikaze business group. She is 30 years of age, married, and a mother to five children (two at school and three babies). She works in the street selling footwear in a lively part of town, and has requested a loan from Hekima to increase her business. She plans to buy 150 pairs of used shoes.
Chirimwami's husband is also a retailer, and she started her business with funds she received from him. In the future she would like to buy a plot of land, as well as to educate and feed her children. She is truly grateful to Hekima for the support it gives to women entrepreneurs who are excluded from the traditional banking system, providing them with loans without collateral during these hard times of conflict in the eastern part of the country.
La cliente Chirimwami est une commerçante depuis 4 ans et membre d’un collectif d’affaires «Tujikaze», âgée de 30 ans, mariée et mère de 5 enfants dont, 2 étudient et 3 sont encore gosses. Elle est vendeuse des souliers. Elle étale son activité dans la rue dans un quartier animé. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 150 paires de souliers usagers. Son conjoint, lui aussi, est commerçant. Elle avait commence avec de fonds reçu de son mari. Dans l’avenir, elle souhaite acheter une parcelle, scolariser et nourrir ses enfants. En définitif, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique, tout en accordant des crédits sans garantie matérielle, pendant la période difficile des conflits dans la région de 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.