The client Kibindu is a merchant and member of the "Armée du Salut" business group. A 30-year-old entrepreneur, she is married with three small children, of whom one attends school.
The client sells beans and charcoal. She displays her goods at home in a commercial district of the city. She started her business with funds received from Hekima. Her spouse is also a merchant. She has been performing this activity for the past three years.
This new loan will serve to buy two bags of beans and three of charcoal. She would like to buy a plot, build a house, and educate, clothe and feed her children.
Finally, she thanks Hekima considerably for empowering non-bankable women entrepreneurs, especially during this critical time in the post-conflict region of the country. It should be noted that certain clients carry their babies.
La cliente Kibindu est une commerçante et membre d’un groupe d’affaires «Armée du Salut», entrepreneur, âgée de 30 ans, mariée et mère de 3 enfants dont 1 scolarisé et 3 sont encore petits. La cliente est une vendeuse d’haricots et braise. Elle étale sa marchandise à domicile dans un quartier commercial de la ville. Elle commença ses business avec de fonds reçu de Hekima. Son conjoint, lui aussi est commerçant. Il y a 3 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 2 sacs d’haricots et 3 de braises. Ainsi, elle souhaite acheter une parcelle, construire une maison, scolariser, vêtir, et nourrir ses enfants. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout ; pendant ce moment critique post conflits dans la région de l’Est du pays. Il sied de signaler que certainess cliententes portent leurs 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.