Joséphine Kahambu is an entrepreneur and the leader of the Changamuka work group. She is 32 years old, married, and the mother of four. Her husband is a governmental employee in a public sector company named La Regideso. Joséphine Kahambu sells used shoes. She sets up her wares at the Cadeco market in the center of town of Goma. She has been in this business for 10 years. In 2009, she obtained her first loan of $50 from IMF Hekima in order to increase her working capital. This new loan will allow her to replenish her stock with additional goods (25 pairs of used shoes). In addition,sher goal and to open a store selling salted fish. As a client of IMF Hekima, Joséphine Kahambu is grateful for its actions oriented towards poor women who do not have access to traditional banking. The Changamuka group is composed of 33 members. However, one of the client also has her child in the photo, and there are two other clients whose faces can’t be seen on this group photo.
Kahambu Joséphine est entrepreneur, leader du groupe d’affaire Changamuka, âgée de 32 ans, mariée, mère de 4 enfants. Son conjoint est un fonctionnaire de l’Etat dans une entreprise publique « la REGIDESO ». La cliente Kahambu Joséphine est vendeuse des souliers usagers. Elle installe ses marchandises au marché « CADECO » dans le centre ville de Goma. Il ya 10 ans qu’elle exerce cette activité. En 2009, elle bénéficia de premier crédit de l’IMF Hekima de 50$ pour renforcer son capital. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouvelles marchandises (25 paires de souliers usagers). En plus, elle ambitionne pérenniser son entreprise, ouvrir un dépôt de vente poissons salés. La cliente Kahambu Joséphine remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes exclues de banque classique. Le groupe Changamuka est constitué de 33 membres.Cependant, une cliente détient son enfant sur cette photo et 2 autres clients, leurs figures demeurent invisibles sur cette photo de groupe.
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.