Kahiro has been a saleswoman for 20 years. She is a member of the "Sinaï" business association. She is 40 years old and married. She has eight children, three of whom go to school, four of whom have finished school, and one who is too young to go to school.
She sells commodities. She displays her goods on a street in a lively local district. She is asking for a loan from Hekima. Her spouse works in a security company. She would like to buy two bags of peanuts, 10 bunches of bananas, and five bags of onions in order to grow her company. She started with funds received from her husband. In the future, she would like to buy a plot of land and build on it. She would also like to educate and feed her children.
She thanks Hekima for their support of women not served by the standard banking system.
Kahiro est une commerçante depuis 20 ans, présidente et membre d’une association d’affaires « Sinaï», âgée de 40 ans, mariée et mère des 8 enfants dont, 3 étudient, 4 ont terminé les études et 1 encore gosse. Elle est vendeuse des denrées alimentaires. Elle étale ses marchandises dans la rue sur un quartier animé de la place. Elle sollicite un crédit auprès de Hekima. Son conjoint travaille dans une maison de gardiennage. Elle va acheter 2 sacs d’arachides, 10 régimes de bananes et 5 sacs d'oignons pour accroitre son entreprise. Elle commença avec de fonds reçu de son mari. Dans l’avenir, elle souhaite acheter une parcelle et la construire, scolariser et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique.
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.