This client, Ngarukuye, is a good and honest merchant, an entrepreneur for twenty years, and the president and a member of the business group “Ubumwe”. She is 51 years old and a married mother of seven children, all provided with education. She sells a variety of items and is an associate of a grocery store. She displays her merchandise in the parking lot at the town’s exit.
She is requesting a loan from Hekima to grow her business. She is going to purchase some breads, sausages, beignets, cookies, cleaning products, etc. Her husband has no job. She benefited from initial capital from her husband when he was employed.
For the future, she would like to bolster her business and provide education, clothing, and food for her children. She thanks Hekima for its support of unbanked women entrepreneurs.
La Cliente Ngarukuye est une brave commerçante, dynamique, entrepreneur depuis 20 ans, présidente et membre du groupe d’Affaires «Ubumwe», âgée de 51 ans, mariée et mère de 7 enfants, qui tous scolarisés. Elle est vendeuse divers articles et sociétaire d’une alimentation. Elle étale ses activités au parking a la sortie de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter des pains, saucissons, beignets, biscuits, produits de nettoyage, etc. Son conjoint est sans emploi. Elle bénéficia son premier capital de son mari, quand il fut employé. Dans l’avenir, elle souhaite renforcer ses activités, scolariser, vêtir et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables.
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.