Hekima client Rose has been a courageous businesswoman for 15 years, officer and member of the community group called "Shalom". A senior entrepreneur, she is 50 years of age, married, and the mother of nine children who are all in school. She sells salted fish. She displays her merchandise at the central market of the town.
Rose is asking for a loan from Hekima to grow her business. She is going to buy 650 fish. Her spouse is a technician and scrap metal dealer. She began her business with money received from her husband. In future she would like to build a nice house for her family and feed and pay school fees for her children. She thanks Hekima for the support it gives to women entrepreneurs who can't obtain a bank loan.
La cliente Rose est une vaillante commerçante depuis 15 ans, conseillère et membre de la banque communautaire «Shalom», senior entrepreneur dynamique, âgée de 50 ans, mariée et mère de 9 enfants, qui tous étudient. Elle est vendeuse des poissons salés. Elle étale sa marchandise dans le marché central de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 650 poissons. Son conjoint est un technicien ferrailleur. Elle commença ses business avec de fonds reçu de son mari. Dans l’avenir, elle souhaite construire une belle maison pour sa famille, scolariser et nourrir ses enfants. Elle remercie Hekima pour le soutien, qu’elle apporte aux femmes entrepreneurs non bancable.
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.