Mikamba sells various goods and is a member of a shop. She lays out her items at her home, [which is on] a busy street. She is seeking a loan from Hekima in order to grow her businesses and is going to purchase various manufactured goods. She began with funds received from her husband when he was still living.
In the future, Mikamba would like to augment her business, purchase a plot of land, feed her children, send them to school, and provide them with health care. She is thankful to Hekima for supporting businesswomen left out of the traditional banking system, providing them with unsecured loans, especially following the conflicts in Eastern Congo.
[Please note] in the group photo, several clients are carrying their children.
Important InformationHEKIMA 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.
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About Congo (Dem. Rep.)
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Success!! The loan was 100% repaid