This client, Maneno, is an ambitious woman and the manager of the group Rhubemuguma. She is 40 years old, married to a pastor, and the mother of seven children (six in school). She is requesting this new loan to purchase four sacks of peanuts and a tonne of cassava. Her goal is to guarantee her family’s wellbeing and to purchase a vehicle for transporting her merchandise. Lastly, she thanks Hekima very much.
La cliente Maneno est une femme ambitieuse et dirigeante du groupe Rhubemuguma. Agée de 40ans, elle est mariée à un Pasteur et mère de 7 enfants (6 scolarisés). Elle sollicite ce nouveau prêt pour acheter 4 sacs d’arachide et 1 tonne de manioc. Son objectif est de garantir le bien être de sa famille et acheter un véhicule pour le transport de ses marchandises. Enfin, elle remercie beaucoup Hekima.
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.