Bitashengwa has been a trader for the past two years and is a member of the Sanai business association; she is a dynamic entrepreneur, who is 26 years old, married and mother to three children, two of whom are studying and the third who is still a small child. She sells a variety of manufactured goods and is requesting a loan from Hekima to expand her business. She began it with funds from her husband, who is an exchange agent. She is going to buy powdered soap, cosmetics, a carton of exercise books, five boxes of pens, matches, cartons of candy, biscuits, sugar, rice, oils, iodized salt, etc. In the future she would like to be able to educate and feed her children. She is extremely grateful to Hekima for its support for female entrepreneurs who are excluded from the classic bank system. It should be noted that one of the customers is carrying her baby in the photo.
Bitashengwa est une commerçante depuis 2 ans et membre d’une association d’affaires «Sanai», entrepreneur, dynamique, âgée de 26 ans mariée et mère de 3 enfants dont 2 étudient et 1 encore gosse. Elle est vendeuse des divers produits manufacturés. Elle sollicite un crédit auprès de Hekima pour accroitre son entreprise.Elle commença avec de fonds reçu de son mari. Son conjoint est un cambiste. Elle va acheter des savons en poudre, produits cosmétiques, 1 carton de cahiers, 5 boites de stylos, les allumettes, cartons de bombons, des biscuits, sucre, riz, huiles, sel iodé etc. Dans l’avenir, elle souhaite scolariser et nourrir ses enfants. Ainsi, elle remercie Hekima pour son soutien aux femmes entrepreneurs exclues du système bancaire classique. Il sied de signaler, qu'une cliente porte son bébé.
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.
A portion of Sinai Group's $7,200 loan helped a member to buy powdered soap, cosmetics, a carton of exercise books, five boxes of pens, matches, cartons of candy, biscuits, sugar, rice, oils, iodized salt, etc.