Nyamwiruki is a courageous, dynamic, woman entrepreneur. She has been a trader for twenty years, and is a member of the business group 'Umoja Kibabi'. She is sixty-six years old, divorced and mother to several children who are all grown up and married. Nyamwiruki looks after six of her grandchildren who have been orphaned. All of these children currently attend school.
Nyamwiruki sells tomatoes from a stall in the local market. She has requested this loan from the field partner, Hekima, in order to expand her business. She will use the money to buy ten baskets of tomatoes for resale. Her business was started with money that she received from a friend.
In the future, she would like to increase her working capital, educate, clothe and feed her grandchildren. She is very grateful to Hekima for the support they offer to non-bankable, women entrepreneurs, by providing unguaranteed loans. This is especially important during this time of conflict in the east of the country.
La Cliente Nyamwiruki est une brave commerçante, dynamique, entrepreneur depuis 20 ans est membre d’une Association d’Affaires « Umoja Kibabi », âgée de 66 ans, divorcée et mère de plusieurs enfants, qui tous mariés, mais continue à garder ses 6 petits fils/filles orphelins, qui étudient. Elle est vendeuse de la tomate. Elle étale ses activités dans le marché central de la place. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 10 paniers de tomates. Elle bénéficia son premier capital de son ami. Dans l’avenir, elle souhaite accroitre son capital, scolariser, vêtir et nourrir ses petits fils. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables, en leur accordant de crédit sans garantie matérielle, pendant, ce moment de 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.