Maneno is a brave merchant and the treasurer of the Hodari banque villageoise. An experienced entrepreneur, she is dynamic and responsible. She is 32 years old and single.
Maneno sells pagnes [bright, colorful fabric] by the meter. She displays her goods along a road in a busy part of town. She started this business 13 years ago with funds from her mother. Later, she benefited from a loan from Hekima.
This new loan will serve to buy 50 lengths of pagnes.
Maneno hopes to buy a piece of land and build a house to prepare for the future.
Finally, Maneno strongly thanks Hekima for their support of small-scale entrepreneurs who are excluded from traditional banking services, especially during this difficult post-conflict time in the eastern part of the country.
Maneno est une brave commerçante et trésorière d’une banque villageoise «Hodari», senior entrepreneur, dynamique, âgée de 32 ans, célibataire responsable. La cliente est vendeuse des pagnes (métrage). Elle installe sa marchandise sur la rue dans une avenue animée de la ville. Elle commença ses affaires avec le premier capital reçu de sa mère. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 13 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 50 pièces de pagnes. Ainsi, elle souhaite acheter une parcelle et la construire pour une meilleure préparation future. Au finish, elle remercie fortement Hekima pour l’autonomisation des petits entrepreneurs exclus du système bancaire classique, surtout; pendant ce moment difficile post conflits dans la région de l’Est du pays.
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.