H. Chinvura is an entrepreneur and the leader of the Ukweli business group. She is 45 years old, a widow and mother to eleven children. Her husband died following a short circumstantial illness. This customer sells palm oil. She displays her goods at the market near to the Muslim mosque in the Birere district. She has been carrying out this activity for more than 15 years. She began it with funds received from a family member. Around 2007 she benefited from her first loan from IMF Hekima to strengthen her capital. This new loan will allow her to get new supplies (three containers of palm oil). Furthermore, she has an ambition to expand her business and construct a beautiful house for her children. According to her, the loan from Hekima has allowed her to live in socially and spiritually acceptable conditions and has saved her from the temptations that a large number of widows experience in their life. H. Chinvura thanks IMF Hekima for its actions dedicated to poor widows who are rejected by classic banks. The Ukweli group is made up of 45 members. However, there are two female customers in the photo who are holding their babies in their arms.
Chinvura H. est entrepreneur, leader du groupe d’affaire Ukweli, âgée de 45 ans, veuve, mère de 11 enfants.Son mari fut décédé suite une courte maladie circonstancielle. La cliente Chinvura H. est vendeuse d’huile de palme. Elle expose ses marchandises au marché sectoriel de Birere,tout prêt de la mosquée musulmane. Il ya plus de 15 ans qu’elle exerce cette activité. Elle démarra son activité avec un fonds propre reçu d’un membre de sa famille. Vers 2007, elle bénéficia de premier crédit de l’IMF Hekima pour renforcer son capital. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouvelles marchandises (3 bidons d’huile de palme). En plus,elle ambitionne agrandir son entreprise et construire dignement une belle maison pour ses enfants. Selon elle, le crédit de Hekima lui a servi de vivre dans des conditions de vie socialement et spituellement acceptables et lui épargné des tentations de que bon nombre des veuves rencontrent dans leur vie. La cliente Chinvura H. remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes veuves exclues de banque classique. Le groupe Ukweli est constitué de 45 membres.Cependant,il ya deux femmes clients qui détiennent leurs bébés à main.
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.