Twende Mbele Group
J. Kabou T. sells second-hand shoes at the central market in Virunga. She began her small business with her own funds which she received from her husband after the eruption of the Nyiragongo volcano on the 16th - 17th February 2002, which completely destroyed the economy and basic infrastructure of Goma. Her initial capital was just $50. She has been carrying out her second-hand shoe selling business for the past eight years.
With the loan from IMF Hekima, J. would like to increase her turnover by buying 100 pairs of second-hand shoes. The big challenge in this business is that the flow of goods (the purchase of shoes) depends on the circulation of money (people's income). Furthermore, the competition of shoes made in Uganda/Kampala agitates the price.
In the future J. plans to strengthen her business, increase the level of her deposit account with IMF Hekima and finally to access a more significant loan in proportion to her savings.
In the coming ten years her ambition is to become a large wholesale businesswoman rather than a small retail businesswoman. She is planning on getting her supplies at source in the large commercial centre either in Kampala or in Butembo. Furthermore, J. Kabou T. rents her home and would like to buy a piece of land and build a house. Given that her husband works far away from her, this would allow her to reduce the burden of the family expenses.
J. is grateful to IMF Hekima for the loans which she receives without any material guarantee, since thanks to these loans, she will be able to provide for the needs of her children.
The Twende Mbele group is made up of 16 female members.
Kabuo T. J. vend des souliers usagers dans le marché central de Virunga, elle a commencé son petit commerce avec son fonds propre reçu de son mari après l’éruption du volcan Nyiragongo du 16 au 17 février 2002 qui a détruit complètement toute l’économie et infrastructure de base de la ville de Goma. Son capital initial était de 50$. Il y a 8 ans qu’elle exerce cette activité de vente des souliers usagers.
Avec le crédit de l’IMF Hekima, Kabuo T. J. souhaite augmenter son chiffre d’affaire en achetant 100 pairs de souliers usagers. Le grand défi de cette activité est que l’écoulement de marchandise (achat de souliers) dépend de circulation de l’argent (revenu de la population). En outre la concurrence des souliers fabriqués en Ouganda/ Kampale perturbe le prix.
Dans l’avenir, Kabuo T. J. planifie renforcer son business, augmente son compte dépôt auprès de l’IMF Hekima enfin d’accéder à un montant plus élevé de crédit au prorata de ses épargnes.
Dans le 10 ans, elle ambitionne devenir commerçante grossiste et non plus petite commerçante détaillante. Elle compte s’approvisionner à la source dans le grand centre commercial soit à Kampala ou soit à Butembo.
En plus, Kabuo T. J. est locataire, elle aimerait acheter une parcelle et construire, étant donné que son mari travaille loin d’elle, ceci lui permettra de d’amoindrir les poids de la charge familiale.
Kabuo T. J. 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 Twende Mbele est composé de 16 membres 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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