Tembeya R. Antoinnette is an entrepreneur and she is the treasurer of the group. She is 45 years old, married, and the mother of 6 children. Two of her children are in school, 2 are not going to school for the lack of financial resources, and 2 have their own homes. Her husband is unemployed. Tembeya R. Antoinnette is a merchant who sells tomatoes, peanuts, vegetables, onions etc, at in the sector's market of Ndosho. She started her business with her own money, which she received from her husband. Prior to the business she has currently, she sold various merchandise from a kiosk. Her start up capital funds was $30. In early 2010, she benefited from a loan from IMF Hekima (Kiva Field Partner) amounting to $50. This new loan will be used to purchase more products (2 baskets of tomatoes, 50Kg of peanuts, etc.) and to add new products for resale, including fish, and to diversify her business. In addition she would like to purchase a parcel of land where to build a life as a homeowner. Tembeya R. Antoinnette is thankful to Hekima for the loans granted to the poor. The group Pendeza is made up of 32 members.
Tembeya R. Antoinnette est entrepreneur, trésorière du groupe, âgée de 45 ans, mariée, mère de 6 enfants dont 2 enfants etudient, 2 n’étudient pas faute de moyens financiers et 2 autres ont leurs propres foyers. Son conjoint est chômeur, sans emploi. La cliente Tembeya R. Antoinnette est vendeuse des tomates, arachides, légumes, oignons, etc. au marchee sectoriel de Ndosho. Elle commença ce business avec son fonds propre reçu de son mari. Avant de joindre cette activité, jadis, elle vendait les divers dans un kiosque. Son capital d’affaire initial fut 30$. Plus tard, elle bénéficia le premier crédit de l’IMF Hekima de 50$ au début de 2010. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux produits (2 paniers de tomates, 50 kg d’arachides, etc.) et ajouter un nouveau produits celui de vente poisson, qu’elle veut également entreprendre pour diversifie son business. En plus, elle ambitionne acheter une parcelle et construire et laisser la vie de locataire. La cliente Tembeya R. Antoinnette remercie Hekima pour ses crédits sans relance en faveur de pauvres. Le groupe Pendeza est constitué de 32 membres.
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.