Kahindo Mbilize is the president of the Dunda mu Yesu group, and is 27 years old, married, and has 4 children, all of whom are in school. Her husband is a small shopkeeper. Like her husband, she also sells various items. She began her business with her own funds, provided by her husband 2 years ago. Later, she benefited from a $50 loan through the microfinance institution Hekima. She sells her products at the Nyabushongo market. This new loan will serve to increase her stock with 10 sets of ladies pagnes (a type of brightly printed cloth). In addition, she aspires to buy a plot of land and to build a house. The client Kahindo Mbilize is grateful to Hekima for its actions on behalf of the poor who are excluded from the traditional banking system. It should be noted that this group, Dunda mu Yesu, is composed of 44 members. The photo shown here was taken in front of the Catholic chapel in the Ndosho area, on Avenue Cariere.
Kahindo M. est présidente du groupe Dunda mu yesu, âgée de 27 ans, mariée, mère de 4 enfants dont tous étudient. Son mari est petit commerçant. Elle vend aussi les divers comme son conjoint. Elle commença son business avec son fonds propre reçu de son mari, il ya 2 ans. Plus tard, elle bénéficia de crédit de l’IMF Hekima de 50$. Elle installe ses produits au le marché Nyabushongo. Ce nouveau crédit doit lui servir d’augmenter son stock avec 10 pièces des pagnes dame. En plus, elle ambitionne acheter une parcelle et construire une maison. La cliente Kahindo M. remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Il sied de signaler que ce groupe Dunda mu Yesu est composé de 44 membres.photo prise devant la chapelle catholique, du quartier Ndosho, avenue cariere.
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.