Kyakimwa has been a retailer for twelve years. She is 49 years old, married and mother to eleven children. Two of her children still attend school and the other nine have finished studying. Kyakimwa is a member of the business group 'Muyisa', and sells food products from her home in a commercial district. Her husband is a carpenter, and she started her business with funds provided by him.
Kyakimwa has requested this loan from the field partner, Hekima, in order to expand her business. She plans to buy one sack of charcoal, one sack of cassava flour and tomatoes.
In the future, Kyakimwa would like to increase her working capital, and educate and feed her children. She is grateful to Hekima for the support and loans that they offer to non-bankable women entrepreneurs during the post-conflict period in the east of the country.
It should be noted that one of the clients is holding her baby.
La Cliente Kyakimwa est une commerçante depuis 12 ans, âgée de 49 ans, mariée et mère de 11 enfants dont 2 scolarisés et 9 n'étudient plus. La cliente est membre d’une Association d’Affaires «Muyisa». Elle est vendeuse des denrées alimentaires. Elle installe ses marchandises à domicile dans un quartier commercial. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 1 sac de braises, 1 sac de farine de manioc, tomates. Son conjoint est un charpentier. Elle démarra ses affaires avec le fonds reçu de son mari. Dans l’avenir, elle souhaite accroitre son capital, scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables en leur accordant de crédit pendant, ce moment post conflits dans la région de l’Est du pays.Il sied de signaler qu'une cliente porte son bébé.
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.