This client, Basedeke, is a member of the 'banc villageois' named Ujamaa II. She is 53 years old and married to an unemployed man. Together they have ten children, who all go to school. With this new loan, Basedeke is going to purchase 5 cases of soft drinks. She would thus would like to build a house for her children. And she thanks Hekima for facilitating her children's education.
La cliente Basedeke est membre de la banque villageoise Ujamaa II. A 53 ans, elle mariée à un homme sans emploie et ensemble ils ont 10 enfants qui vont tous à l’école. Avec ce nouveau crédit, elle va acheter 5 casiers de boissons sucrés. Ainsi, elle souhaite construire une maison pour ses enfants et remercie Hekima de faciliter la scolarité de ces derniers.
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.