Mado is a businesswoman, who is raising her hand in the picture, is president and member of the "Mizeitun" business group and a dynamic entrepreneur. She is a 41-year-old mother of six children, five of which currently attend school, the one remaining child still being an infant. This client sells sorghum. She sets up her merchandise outside her property, where she knew she would attract customers. Her spouse works in the medical profession as a nurse. She started her business with capital given to her by her husband. Later, she benefited from a loan from IMF Hekima. She has been running this business for two years. This new loan will allow her to buy four sacks of sorghum. In the future, she wishes to buy a plot of land, send her children to school and feed them.
Finally, she would like to thank Hekima for the work they do to liberate women entrepreneurs who are excluded from the established banking system, especially during this difficult post-conflict era in the east of the country.
La cliente Mado, qui lève la main, est une commerçante, présidente du groupe d’affaires «Mizeituni», entrepreneur, dynamique, âgée de 41 ans et mère de 6 enfants, qui 5 étudient et 1 autre qui est encore gosse. La cliente est une vendeuse de sorghos. Elle installe sa marchandise à son domicile devant son enclos, où, elle a su gagner sa clientèle. Son conjoint est du personnel soignant (Infirmier). Elle commença ses affaires avec le premier capital reçu de son mari. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 2 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 4 sacs de sorghos. Dans le futur, elle souhaite acheter une parcelle, scolariser et nourrir ses enfants. En définitif, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs exclues de système bancaire classique, surtout; pendant ce moment difficile 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.