Jeve is a vendor, the president of the Dieu Merci credit group and a client of IMF Hekima. She is a married mother to 12 children, who are all receiving an education. She started her small business with funds she received from her husband. She sells foodstuffs by the roadside. She wishes to purchase potatoes, palm oil and vegetables. Her partner works as a builder. She hopes to be able to obtain further loans in order to grow her business, as well as feed and educate her children. Finally, she would like to thank Hekima for the support they give to entrepreneurs who are excluded from the traditional banking system.
Jeve est commerçante, présidente du groupe de crédit Dieu Merci, cliente de l’IMF Hekima, mariée, âgée de 40 ans, mère de 12 enfants qui tous vont à l’école. Elle a commencé son petit commerce avec de fonds de reçu de son mari. Elle est vendeuse des denrées alimentaires sur la route secondaire. Elle va s’approvisionner en pommes de terre, huile de palme et végétale. Son conjoint est un maçon. Elle souhaite obtenir plus des crédits pour accroitre son chiffre d’affaires, scolariser et nourrir ses enfants. Au finish, elle remercie Hekima pour le soutien apporté aux entrepreneurs non bancables.
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.