Ndalengwa is a merchant, a dynamic and experienced entrepreneur, and a member and the president of the banque villageoise Pacifique. She is 47 years old, married to a farmer, and a mother of nine children. All the children go to school.
Ndalengwa has been selling pagnes [bright, colorful fabric] for 17 years. She displays her goods in a busy town market. She started this business with funds she earned from harvesting a field of crops.
This new loan will serve to buy 25 lengths of pagnes.
One day, Ndalengwa hopes to build a house for her family and to feed and school her children.
Finally, she strongly thanks Hekima for helping female entrepreneurs, who lack access to banking services, become independent; especially in this moment of post conflict in the east of the country.
La cliente Ndalengwa est une commerçante, présidente et membre d’une banque villageoise «Pacifique », senior entrepreneur, dynamique, âgée de 47 ans, mariée et mère de 9 enfants qui tous étudient. La cliente est une vendeuse des pagnes. Elle étale ses marchandises au marché animée de la ville. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 17 ans qu’elle exerce cette activité. Elle débuta avec le premier capital reçu de son champ, après récolte agricole. Son conjoint est un cultivateur. Ce nouveau prêt va la servir d’acheter 25 pièces de pagnes. Ainsi, elle souhaite construire une maison pour sa famille, scolariser, et nourrir ses enfants. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout; pendant ce moment post conflits à 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.