Judith is a merchant and a member of the "Yesu Anaweza" business association. She is a dynamic 42-year-old entrepreneur, and the responsible mother of four children, of whom two attend school and two are under school age. She is shareholder of a restaurant in the center of the city.
She is requesting a loan from Hekima to increase her business. She started with funds received from her husband (while he lived). She has been in business for the past eleven years.
She will buy one bag of rice, beans, charcoal, potatoes, 20 liters of oil, sugar, milk, cassava flour, etc. In the future, she wants to increase her activity, educate and feed her children.
She thanks Hekima for its support to men and women entrepreneurs excluded from the traditional banking system. It should be pointed out that one of the members is carrying a baby on her back.
La cliente Judith est une commerçante et membre d’une association d’affaires « Yesu Anaweza», entrepreneur, dynamique, âgée de 42 ans, responsable et mère de 4 enfants dont 2 étudient et 2 sont gamins. Elle est sociétaire d’un restaurant dans le centre ville. Elle sollicite un crédit auprès de Hekima pour accroitre son entreprise. Elle commença avec de fonds reçu de son mari (lors de son vivant).Il ya 11 ans, qu’elle exerce cette activité. Elle va acheter 1 sac du riz, de haricots, de braises, de pommes de terre, 20 litres huiles, du sucre, du lait, de la farine de manioc, etc. Dans l’avenir, elle souhaite accroitre son activité, scolariser et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux homme et femmes entrepreneurs exclues du système bancaire classique. Il sied de signaler, qu'au dos une cliente porte son bébé.
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.