Ndalemwa is a trader and the president of the business group 'Mkono Mukononi'. She is 45 years old and has twelve children. Six of her children attend school and the other six are too young. Her husband is a building technician (a mason).
Ndalemwa has sold various products for three years, from her home on a busy local avenue. She started her business with funds that she received from her husband.
In order to improve her business, Ndalemwa has requested a loan from the field partner, Hekima. She will use her loan to buy a sack of wheat flour, a box of local juice, matches, a box of soaps, a sack of sugar, sweets, biscuits, iodized salt and thirty litres of oil.
In the future, Ndalemwa would like to increase her working capital and educate, clothe and feed her children.
She is grateful to Hekima for the support they offer to women entrepreneurs, who are excluded from the traditional banking system.
One of the clients is holding her child in the photo.
La cliente Ndalemwa est une commerçante, présidente et membre d’une association d’affaires «Mkono Mkononi», âgée de 45 ans et mère des 12 enfants dont, 6 étudient et 6 autres sont encore gamins. Elle est vendeuse de divers articles depuis 3 ans. Elle installe ses marchandises à son domicile sur la rue dans une avenue animée de la place. Elle sollicite un crédit auprès de Hekima pour accroitre son entreprise.Son conjoint est un technicien de construction (Maçon). Elle va acheter 1 sac de farine formant, 1 carton de jus locale, les allumettes, 1 carton de savons, 1 sac de sucre, des bonbons, biscuits, sel iodé, 30 litres huiles etc. Elle commença avec de fonds reçu de son mari. Dans l’avenir, elle souhaite accroitre son capital, scolariser, vêtir et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique. Dans photo du groupe, une cliente porte son bébé.
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 Mkono Mukononi Group's $2,800 loan helped a member to buy 1 sack of wheat flour, 1 box of local juice, matches, 1 box of soaps, 1 sack of sugar, sweets, biscuits, iodized salt and 30 litres of oil.