The customer, Safi, is a courageous trader, who is also president and a member of the Zabayo business group. She is an experienced and dynamic entrepreneur who is 50 years old and mother to nine children, five of whom are studying and four others who are already married. The customer sells beans and lays out her goods at home in the outlying district of the town. She began her business with capital from her husband, who is a teacher. Later on she got a loan from IMF Hekima. She has been carrying out this business for the past 30 years and this new loan will be used to buy two sacks of beans. She would thereby like to increase her capital, educate and feed her children. Finally, she is extremely grateful to Hekima for enabling female entrepreneurs who are excluded from the classic bank system to become autonomous, partiuclarly during this difficult post-conflict period in the east of the country. It should be noted that some of the customers in the photo are carrying their babies.
La cliente Safi est une brave commerçante, présidente et membre du groupe d’affaires «Zabayo», senior entrepreneur, dynamique, âgée de 50 ans et mère de 9 enfants, dont 5 étudient et 4 autres sont déjà mariés. La cliente est une vendeuse d’haricots. Elle installe sa marchandise à son domicile dans le quartier périphérique de la ville. Elle commença ses affaires avec le premier capital reçu de son mari. Son conjoint est un enseignant. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 30 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 2 sacs d’haricots. Ainsi, elle souhaite accroitre son capital, scolariser et nourrir ses enfants. En définitif, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs exclues de système bancaire classique, surtout; pendant ce moment difficile post conflits à l’Est du pays.Il sied de signaler que certaines clientes portent leur bébés.
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.