She began her little business with her own working capital of US$ 10, received from her neighbor as a non-reimbursable loan aimed at helping her situation. She goes around the streets of Goma selling used shoes. She has been in this business for 14 years. She also sells potatoes out of her home to add to her income.
With the micro-finance institution Hekima's loan, Mbavu C. hopes to raise her profit by buying 20 pairs of used shoes. In future, she plans to change businesses by opening a little general store and in the long run she hopes to be able to buy a plot of land for her family.
Mbavu C. thanks MFI Hekima for the loans that she has received without any tangible assets as collateral because it is thanks to these loans that she manages to support her children.
This group is made up of 21 members, all women with the exception of one man. Please also note that our client Kabuo K. is ill and her husband represented her, for which reason there are two men visible in the group photo.
Elle a commencé son petit commerce avec son fonds propre de 10$ reçu de son voisin sous forme d’assistance non remboursable. Elle est vendeuse ambulante des souliers usagers dans la ville de Goma. Il y a 14 ans qu’elle exerce cet activité de vente des souliers usagers. Elle vend également des pommes de terre à domicile pour accroitre ses revenus.
Avec le crédit de l’IMF Hekima, Mbavu C. souhaite augmenter son chiffre d’affaire en achetant 20 paires des souliers usagers.
Dans l’avenir, elle planifie de changer d’activité en ouvrant une petite boutique de vente des produits divers, et à la longue achéter une parcelle pour sa famille.
Mbavu C. rémércie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grace à ces crédits, elle parvient à subvenir aux besoins de ses enfants.
Ce groupe est composé des 21 membres majoritairement femmes et un seul homme. Il sièd de signaler que la cliente Kabuo K. est malade et elle a été representée par son mari, d’où deux hommes visibles sur la photo.
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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Success!! The loan was 100% repaid