Umoja Kibabi Group
Baseme B. Apoline sells drinks (Primus and Mutzig beer, Fanta sodas, etc.). She displays her products in front of friends' and acquaintances' shops (on the street, the Signers roundabout) and sells wholesale; she occasionally sells retail from her home. She began her small business with her own money, which she received from her father-in-law as a gift. Her initial capital investment was twenty dollars, which is equivalent to two cases of Primus beer. She has been in business for sixteen years. With the loan from the microfinance institution Hekima, Baseme B. Apoline would like to increase her sales by buying 36 cases of Fanta.
Baseme B. Apoline's greatest challenge is that people sometimes drink on credit, with the risk of paying her back late. Others buy, but do not return the empty bottles. Despite all this, Baseme B. Apoline makes her maximum profit; she is comfortable with her business.
Baseme B. Apoline thanks the microfinance institution Hekima for the permanent loans which she is receiving with no material collateral. Thanks to these loans, she is able to meet her family's needs, she says.
The Umoja Kibabi group is comprised of twenty members, the majority of which are women.
Baseme B. Apoline vend des boissons (bière Primus, Mutzing et sucrés Fanta, etc.). Elle expose ses produits devant des boutiques des amis et connaissances (sur la voie publique, rond point Signers) pour la vente en gros et parfois à son domicile c’est la vente en détails . Elle a commencé son petit commerce avec son fonds propre reçu de son beau père sous forme d’un don. Son capital initial était 20$ équivalent aux deux caisses de la bière Primus. Il y a 16 ans qu’elle exerce cette activité.
Avec le crédit de l’IMF Hekima, Baseme B. Apoline souhaite augmenter son chiffre d’affaire en achetant des 36 caisses de sucrés Fanta.
Le grand défi de Baseme B. Apoline est que les gens consomment parfois à crédit avec risque de lui payer avec retard. Et d’autres achètent mais ne lui restituent pas les bouteilles vides. Malgré tout cela Baseme B. Apoline y tire son maximum de bénéfice, elle est confortable avec son business.
Baseme B. Apoline remercie l’IMF Hekima pour les crédits permanents qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir aux besoins de sa famille dit - elle.
Ce groupe Umoja Kibabi est composé de 20 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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