Niwetu Chihimbu, the leader of the Esther group, is a 56-year old widow and the mother of six. Her husband passed away in 1994. All her children study, and some already have their own households. She launched this business with her own funding. She sells beverages through a distribution center of the Bralima company (Primus beer, Fanta etc); later on, she received a loan of $50 from IMF Hekima, around 2008. She sells out of her home. However, recently her distribution center has been demolished as per the mayor’s decision concerning unauthorized construction in Goma. This new loan will allow her to purchase 20 cases of beverages such as Primus beer, Fanta, Mitsing [Heineken's Mützig beer?]. As a client of Hekima, Niwetu Chihimbu is appreciative of its services to the poor who don’t have access to the traditional banking system. It remains to be mentioned that the Esther group is composed of 18 women.
Niwetu C. est présidente du groupe Esther, âgée de 56 ans, veuve, mère de 6 enfants. Son mari est décédé depuis 1994. Tous ses enfants étudient et d’autres ont leurs propres foyers. Elle commença son business avec son fond propre. Elle vend des boissons, avec un dépôt relais de la société Bralima (bière Primus, Fanta, etc.), plus tard, elle bénéficia de crédit de l’IMF Hekima de 50$ vers les années 2008. Elle vend ses produits a son domicile. Cependant dernièrement, son dépôt fut démoli par la mesure administrative de maire de ville, concernant les constructions anarchiques dans la ville de Goma. Ce nouveau crédit doit lui servir d’approvisionner 20 casiers de Primus, Fanta, Mitsing. La cliente Niwetu C. remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Il sied de signaler que ce groupe Esther est composé de 18 femmes.
HEKIMA 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.