Jeanette sells “lait caillé", a thin yoghurt produced using milk. She sells her products from her home in a busy neighbourhood. She received her first capital to start her business from her husband, who is a lorry-driver, and later on she took out a loan with IMF Hekima.
Jeanette has been running her business for twelve years now. This new loan will help her buy 600kg of milk. In this way, she would like to increase her capital and become a wholesaler, so she can clothe and feed her children and send them to school.
Finally, Jeanette would like to thank Hekima for promoting the independence of women entrepreneurs who cannot access the banking system, especially at this critical moment when war has broken out in the east of the country.
Important InformationHEKIMA 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.
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About Congo (Dem. Rep.)
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Success!! The loan was 100% repaid