Gakamba is a retailer and member of the business group, Tupatane. She is a dynamic entrepreneur who is 55 years old and mother to eight children, six of whom attend school and two of whom are too young. She runs a restaurant/cafeteria from a house in the central market of the town. Gakamba started her business five years ago, with funds provided by her husband and then started working with the field partner, Hekima.
She will use her loan to buy sacks of cassava flour, maize and rice, one box of milk, half a sack of sugar, ten kilos of meat and five litres of oil. This will improve the business figures of her restaurant and will enable her to feed and educate her children.
Gakamba is very grateful to Hekima for the help they provide to enable non-bankable women to become independent. This is especially important during this difficult time post conflict in the east of the country.
It should be noted that one of the group members has her baby with her in the photo.
La cliente Gakamba est une commerçante et membre du groupe d’affaires «Tupatane», entrepreneur dynamique, âgée de 55 ans et mère de 8 enfants, dont 6 étudient et 2 sont encore gosses. Elle est propriétaire d’un restaurant/cafeteria. Elle organise son service dans une maison au marché central de la ville. Elle commença ses affaires avec le premier capital reçu son mari. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Elle y a 5 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter de sacs de farine de manioc et de maïs, du riz, 1 cartons du lait, 1/2 sac se sucre, 10 kg de viande, 5 litres d’huile, etc. Ainsi, elle souhaite accroitre son capital, scolariser, nourrir ses enfants. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs exclues du système bancaire classique, surtout; pendant ce moment difficile post conflits dans la région de l’Est du pays. Il sied de signaler qu'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.
A portion of Tupatane Group's $4,225 loan helped a member to buy sacks of cassava flour, maize and rice, 1 box of milk, 1/2 sack of sugar, 10 kg of meat and 5 litres of oil for use in her restaurant business.