Yema has been a seamstress for 20 years and is a member and treasurer for the Etoile business group. She is 40 years old, a widow, and a mother of three children, who all go to school.
Yema sells sewing materials and is a share owner of a workshop. She started this business with funds from her husband when he was alive. She is seeking a loan from Hekima in order to expand her business.
This new loan will serve to buy new materials (fabric, a sewing machine, string, etc.).
In the future, she wishes to build a house, and feed and educate her children.
Yema thanks Hekima for their support to female entrepreneurs even those who lack collateral.
To note: one member is holding her child in the photo.
La Cliente Yema est une Couturière depuis 20 ans, trésorière et membre d’un collectif d’Affaires «Etoile» âgée de 40 ans, veuve et mère de 3 enfants qui tous étudient. Elle vendeuse des matériels de couture et sociétaire d’un atelier. Elle sollicite un prêt auprès de Hekima pour accroitre son entreprise. Ce nouveau prêt va la servir pour acheter des nouveaux matériels (Tissus, machine à coudre, ficelles etc). Elle démarra avec de fonds reçu de son mari lors de son vivant. Dans l’avenir, elle souhaite construire une maison, scolariser, nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs en leur accordant de crédit sans garantie matérielle. Il sied de signaler q'une cliente porte dans ses mains 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.