Mangaza K. helps her husband in the lumber business. She began her small business with her own money that she received from her husband. Her starting capital was $50. Her business was to sell boards along the Katindo road at Afia Bora. She has been selling lumber for 12 years. Before settling in the town of Goma, Mangaza K. sold beer in Kalehe, a village located in the south of Kivu, 180 km from the town of Goma.
With her loan from the IMF Hekima, Riziki Chahi hopes to increase her turnover by buying 50 boards at $250.
In the future, she plans to change to general commerce, given the fact that public environmental and conservation services have taken measures to control the cutting of wood and imposed high taxes to discourage destruction of the environment.
Mangaza K. prefers to increase her savings through the IMF Hekima. Her ambition is to join the group which offers more operational advantages than the community bank of which she is a member. In addition, she hopes to do some work to her house to make it more comfortable.
Mangaza K. thanks the IMF Hekima for the loans she had received without any material backing because, thanks to these loans, she is able to meet the needs of her children.
The group Neema has 18 members, most of whom are women.
Mangaza K. s’entraide avec son mari dans le business de vente des planches. Elle a commencé son petit commerce avec son fonds propre reçu de son mari. Son capital initial était de 50$ . Son business est de vendre les planches au long de la route Katindo, point d’arrêt Afia bora. Il y a 12 ans qu’elle exerce cette activité de vente des planches. Avant de s’installer dans la ville de Goma, Mangaza K. vendait de la bière à Kalehe, village situé dans le sud Kivu, à 180 km près de la ville de Goma.
Avec le crédit de l’IMF Hekima, Riziki Chahi souhaite augmenter son chiffre d’affaire en achetant 50 planches de 250$.
Dans l’avenir, elle planifie de changer l’activité et faire le commerce général, étant donné que le service public de l’environnement et conservation de la nature a pris des mesures pénales à la coupe de bois et demande beaucoup de taxe dans ce secteur pour le décourager à détruire l’environnement.
Mangaza K. préférait augmenter auprès de l’IMF Hekima ses epargnes. Elle ambitionne entrer dans le groupe solidaire qui offre plus des avantages opérationnels que la banque communautaire dont elle fait membre. En outre, elle compte construire confortablement sa maison.
Mangaza K. remercie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir aux besoins de ses enfants.
Ce groupe Neema est composé de 18 membres majoritairement 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.
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