The client Kibandja is a merchant and member of the Mujiza business association. She is 50 years old, married and the mother of five children, of whom three study and the other two are married. She has been selling second-hand clothes for two years.
She displays her merchandise at a busy local market. She is requesting a loan from Hekima to increase her business. She started her activities with funds received from her husband, who is a maître d'hôtel.
She will buy one bale of second-hand clothes. In the future, she wants to educate, feed and clothe her children. So she thanks Hekima for its support to women entrepreneurs excluded from the traditional banking system
La cliente Kibandja est une commerçante et membre d’une plate forme d’affaires «Mujiza», âgée de 50 ans, mariée et mère des 5 enfants dont 3 étudient et 2 autres sont mariés. Elle est vendeuse de friperie depuis 2 ans. Elle installe ses marchandises dans un marché animé de la place. Elle sollicite un crédit auprès de Hekima pour accroitre son entreprise. Elle démarra ses activités par de fonds reçu de son mari. Son conjoint est un maitre d’hôtel. Elle va acheter 1 ballon de friperie. Dans l’avenir, elle souhaite scolariser, vêtir et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique
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.