She started her small business selling cement with her own funds, supplemented by the loan from Hekima IMF. For $30/month, she rents a small warehouse on the Terminus Katingo Boulevard, where she sells cement and lime. She also sells soft drinks from her home to increase her income. Jeanne L. would like to have a larger credit loan so that she can expand her business and build a house made of durable materials for her family.
The Tujikaze group has 20 members. It should be noted that the picture does not show the face of group member Maria B..
Elle a commencé son petit commerce de vente de Ciment avec son fond propre appuyé par le crédit de l’IMF Hekima. Elle loue avec 30$ un petit dépôt sur la boulevard Terminus Katindo où elle vend le ciment et la chaux. Elle vend également de Fanta à domicile pour augmenter ses revenus.
Jeanne L. souhaite obtenir plus des crédits pour accroitre son chiffre d’affaire et construire une maison en matériaux durable pour sa famille.
Le groupe Tujikaze est composé de 20 membres. Il sied d’indiquer que sur la photo le visage de la cliente maria B. n’est pas visible.
Important InformationHEKIMA 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.
About Congo (Dem. Rep.)
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