The borrower, Mwenge, is a courageous woman who has been involved in retail for five years. She is 30 years old, married, and the mother of four children. Three of her children are in school, the fourth is still very young. She is a member of the "Pendeza" business association, and she sells cassava flour. She sets up her merchandise in front of her house, which is located in a lively neighborhood.
Mwenge is taking a loan from Hekima in order to boost her business. She will use this loan to buy two bags of cassava flour. She started her business with some money received from her relatives. Her husband works as a tailor.
In the future, Mwenge hopes to be able to feed and educate her children. She thanks Hekima for supporting women entrepreneurs who are excluded from the banking system, and for granting them loans at a time when the eastern part of the country faces shortages due to the recent conflicts. It should be noted that some of the women in the photo are carrying their babies.
La Cliente Mwenge est une brave commerçante depuis 5 ans, âgée de 30 ans, mariée et mère de 4 enfants dont 3 étudient et 1 encore gosse. La cliente est membre d’une Association d’Affaires «Pendeza». Elle est vendeuse de la farine de manioc. Elle installe ses marchandises à son domicile dans un quartier animé de la place. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 2 sacs de farine de manioc. Elle démarra ses affaires avec le fonds reçu de ses familiers. Son conjoint est un couturier. Dans l’avenir, elle souhaite scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables en leur accordant de crédit pendant, ce moment de pénurie post conflits dans la région de l’Est du pays.Il sied de signaler que certaines clientes portent ses bébés
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.