Madame Cikala est membre du groupe de crédit Ashuza. Mariée à agent de L’Etat Congolais, elle exerce ses activités de vente de chaussures usagées au marché central depuis 2006 pour nourrir et payer les frais scolaires pour ses 4 enfants qui étudient. Le prêt qu’elle sollicite lui permettra d’acheter 4 ballots de chaussures d’occasion. Son rêve est de devenir fournisseur de la place. A cet effet, elle remercie Hekima pour le soutien qu’elle apporte aux femmes pauvres économiquement actives.
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.