She began her small diverse business with her own funds. Her initial capital was $80, backed up by a loan from IMF Hekima. She sets herself up in the small market in her neighborhood with the local nickname of "Trois Paillottes - Axe Katindo", where she sells her various products: Fanta, flour, Omo washing powder, oil etc.. She also sells kerosene at home in order to boost her income.
Amani M. would like to obtain more loans in order to increase her turnover and build a house for her family. She is grateful to IMF Hekima for the loans she is granted without any material guarantee, since thanks to these loans she is able to pay for kitchen utensils and provide for the needs of her family; her children are able to study comfortably.
The Alleluya group is made up of 15 members, all women.
Elle a commencé son petit commerce général de divers avec son fond propre. Son capital initial était de 80$ appuyé par le crédit de l’IMF Hekima. Elle s’installe régulièrement dans le petit marché du quartier localement surnommé Trois paillotes - Axe Katindo où elle vend ses produits divers Fanta, farine, savon de lessive Omo, huille , etc. Elle vend également du pétrole à domicile pour augmenter ses revenus.
Amani M. souhaite obtenir plus des crédits pour accroitre son chiffre d’affaire et construire une maison pour sa famille.
Elle rémércie l’IMF Hekima pour les crédits qu’elle recoit sans aucune garantie materielle car grace à ces crédits elle parvient à se payer des unstensils de cuisine et subvenir aux besoins de sa famille, et ses enfants étudient confortablement.
Le groupe Alleluya est composé de 15 membres, toutes femmes.
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