La Promesse Group
Amani started up her little business selling charcoal with her own funds, received from her husband, in the amount of about 10 USD. Her business consists in selling charcoal in a little market located in the urban/rural zone of Ndosho, 12 km from the center of the town of Goma. It must be noted that before opening this business, Amani had already begun selling tomatoes on a small scale.
With the loan from the MFI Hekima, Amani hopes to increase her turnover by buying six sacks of charcoal and 4 baskets of tomatoes. In future, she plans to buy planks to further the construction of her house and to be able to pay school fees easily for her children. She thanks Hekima for the loans that she has received without any tangible collateral, since thanks to those loans she has already bought 85 planks and 25 tin roofing panels which she will be using in building her house.
The "Promesse" group is composed of six members who are all women. Behind the group you can see stones from the Nyiragongo volcano.
Elle a commencé son petit commerce de vente de braises avec son fond propre reçu de son mari, soit une somme équivalant à 10$. Son business est de vendre les braises dans un petit marché se trouvant dans la zone urbano - rurale de Ndosho à 12 km du centre ville de Goma. Notons qu’avant de se lancer dans l’activité de vente de braises, elle avait commencé par le petit commerce de vente de tomates.
Avec le crédit de l’IMF Hekima , elle souhaite accroitre son chiffre d’affaire en achetant 6 sacs de braises et 4 paniers de tomates .
Dans l’avenir, elle planifie d’acheter des planches pour renforcer son projet de construction de sa maison et scolariser confortablement ses enfants.
Elle remercie l’IMF Hekima, pour les crédits qu’elle reçoit sans aucune garantie matérielle, car grace à ces crédits, elle a déjà acheté 85 planches et 25 toles qu’elle utilisera pour la construction de sa maison.
Le groupe la Promesse est composé de 6 membres qui sont toutes femmes. Il sied d’indiquer que derrière la photo on retrouve les pierres du volcan Nyiragongo.
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