Mulasi is the leader of the Espoir loan group. She is 45 years old and the mother of six children, who all go to school. Her husband is unemployed.
Mulasi has been running her business selling Amstel beer since 2005. She rents a kiosk in the public market and is requesting this loan so she can buy 40 cases of Amstel beer to restock her business. Her dream is to buy a plot of land.
Mulasi would like to thank Hekima and ask for God's blessing.
La cliente Mulasi est présidente de l’association de crédit Espoir. Agée de 45 ans, elle est mère de 6 enfants tous empruntant le chemin de l’école. Mariée à chômeur, elle exerce son activité de commerce depuis 2005 orienté dans la vente d’Amstel. Elle loue un dépôt au marché public de la place raison pour laquelle elle sollicite ce nouveau crédit pour acheter 40 caisses d’Amstel et ainsi constituer son stock. Son rêve est d’acheter une parcelle. Au final, elle remercie Hekima et prie Dieu de le bénir abondamment.
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.