Ciza is the president of the loan group 'Utii'. She is 34 years old and married to a business man. The couple has six children, of whom five attend school. Ciza has specialised in the restaurant trade since 2000. She has requested this loan in order to buy twenty crates of alcoholic drinks.
Ciza would like to complete the construction of her house and provide for the education of her children. She blesses the field partner, Hekima, for helping her to pay for the needs of her family.
La cliente Ciza, présidente du groupe de crédit Utii, est âgée de 34 ans. Mariée à un homme d’affaire, elle est mère de 6 enfants dont 5 sont scolarisés. Elle est spécialiste dans les services de restaurant, depuis 2000. Elle sollicite ce nouveau crédit pour acheter 20 casiers de boissons alcoolisées. Elle souhaite achever la construction de sa maison et assurer la scolarité de ses enfants. Enfin, elle bénie Hekima de l’avoir aidé à subvenir aux besoins familiaux.
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.