Tina has been a merchant for four years. She is an entrepreneur and a member of the banque communautaire Lumiere. She is married and a mother of ten children, of whom three go to school and the other seven are getting by. Her husband is a carpenter technician.
Tina sells fresh fish. She displays her goods in an informal market in town. She started this business with funds she received from her husband.
She is seeking a loan with Hekima in order to increase her business. She is going to buy 38 fish.
In the future, she wishes to educate and feed her children.
Tina thanks Hekima for their support of female entrepreneurs who lack access to banking services.
It should be noted that one of the clients [in the photo] is holding her child.
Tina est commerçante depuis 4 ans, membre de la banque communautaire «Lumière», entrepreneur, âgée de 40 ans, mariée et mère de 10 enfants dont 3 étudient et 7 autres se débrouillent. Elle est vendeuse des poissons frais. Elle étale sa marchandise dans le marché pirate de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 38 poissons. Son conjoint est un technicien charpentier. Elle commença ses business avec de fonds reçu de son mari. Dans l’avenir, elle souhaite scolariser et nourrir ses enfants. Elle remercie Hekima pour le soutien, qu’elle apporte aux femmes entrepreneurs non bancables. Il sied de signaler qu'une cliente porte son bébé.
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.