La cliente Bahati est présidente de l’association d’affaire Tudumu. Entrepreneur expérimentée, elle est âgée de 39 ans, mère de 9 enfants qui étudient et mariée à un conjoint sans travail. La cliente est vendeuse des céréales au marché public. Elle commença ses affaires avec l’assistance de sa grande sœur avant de bénéficier du credit de Hekima. Avec ce nouveau prêt, elle va acheter 10 sacs de farine de manioc et 10 sacs de farine de mais. Ainsi, elle projette devenir grossiste et remercie fortement Hekima la soutenir.
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.