Munyerekane B. runs a tailoring workshop named “Mama Jaquy (tailor/designer)”. Her workshop is located in the Himbi II borough, on W. Avenue. She started her business with $80, and a little later was advised that she had been granted a basic loan of $50 by the Hekima MFI, to help start up her business.
With the loan from the Hekima MFI, Munyerekane B. wants to increase her turnover by purchasing 20 meters of clothing fabric, six packs of thread, embroidery, 30 meters of poplin cloth, paying the rent for the workshop, etc.
Munyerekane B. biggest challenge is the seasonal nature of the sewing or tailoring business, which is highly dependent on festivities such as Christmas, New Year or Easter, special events such as International Woman’s Day, or peak periods for weddings. May, June and July are crisis periods for most tailors and seamstresses.
Munyerekane B. intends to diversify her activities through the retail commerce of general tailoring supplies, which she finds in Kampala, Uganda. In the future her ambition is to buy a plot of land in South Kivu, in Uvira, a town bordering Bujumbura in Burundi.
She wishes to thank the Hekima MFI for the loans she has been granted without any collateral, because thanks to these she has been able to take charge of her life, avoid the temptations coming from men, and protect herself from immorality and prostitution. She adds that she is also able to meet the needs of children under hr care.
The Iragi group consists of 17 people, for the most part women.
Avec le crédit de l’IMF Hekima, Munyerekane B. souhaite augmenter son chiffre d’affaire en achetant 20 mètres de tissus, 6 paquets de fils à coudre, broderies, 30 mètres de vaselines, payer le loyer de l’atelier, etc.
Le grand défi de Munyerekane B. est que l’activité de couture est saisonnière. La couture dépend plus des événements de festivité, de noël, de paquet, de nouvel an, des manifestations telle que la journée internationale de Femmes,les périodes de pointe de mariage, etc. les périodes comme les mois de Mai, juin, et juillet, sont des périodes de crise pour la plupart des couturiers. Munyerekane B. compte diversifier ses activités par le commerce général des divers et s’approvisionne dans le grand centre de Kampala-Ouganda. Dans le futur, elle ambitionne acheter une parcelle dans le Sud kivu, ville d’Uvira, ville frontalière de Bujumbura-Burundi.
Munyerekane B. remercie l’IMF Hekima pour les crédits permanents qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à se prendre en charge, de se préserver aux tentations des hommes, de se protéger contre l'immoralité et la prostitution. En outre de subvenir aux enfants qui sont sous sa tutelle dit- elle.
Ce groupe Iragi est composé de 17 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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