Luseka is a merchant and member of the business group Mulangane. A 47-year-old entrepreneur, she is married with six children; four of them are in school and two are grown up. Her husband is a security guard.
Luseka sells maize. She conducts her sales from her home; she runs a depot in a local district. She has been engaged in this activity for 2 years, and she initially started with funding from Hekima.
Luseka plans to use this loan to buy 3 sacks of maize. Her goals are to bolster her capital, buy a house, and ensure that her children are fed, clothed, and educated.
Luseka wishes to thank Hekima for helping women entrepreneurs who cannot use the traditional banking system in their efforts to become self-sufficient, especially in these difficult post-war times in the Eastern region.
La cliente Luseka est une commerçante et membre d’un groupe d’affaires «Mulangane», entrepreneur, âgée de 47 ans, mariée et mère de 6 enfants, dont 4 scolarisés et 2 sont grands. La cliente est une vendeuse de maïs en graine. Elle étale sa marchandise à domicile où elle a érigé un dépôt dans un quartier de la ville. Elle commença ses business avec de fonds reçu de Hekima. Son conjoint est un agent dans une maison de gardiennage. Il y a 2 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 3 sacs de maïs. Ainsi, elle souhaite accroitre son capital, construire une maison, scolariser, vêtir, et nourrir ses enfants. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout; pendant ce moment critique post conflits dans la région de l’Est du pays.
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.