Kavira P. is an entrepreneur and the leader of the Upatanisho work group. She is 48 years old, married, and the mother of nine. Some of her children already live separately, and others still go to school. Her husband is unemployed, out of work. Kavira P. sells palm oil and refined vegetable oil of the Rina brand. She displays her wares out on the street and sometimes by her home. She has been doing this for almost seven years. She launched her business with a starting capital received from IMF Hekima around 2004. This new loan will allow her to stock up additional goods (six jugs of palm oils, four cartons of Rina refined vegetables oil, two bags of flour, etc). In addition her goal is to expand her business and to build a nice, proper house for her family to live in. She says that Hekima’s loan has helped her maintain a socially acceptable standard of living. As a client, Kavira P. is grateful to IMF Hekima and its partners for their assistance to impoverished women who do not have access to traditional banking. The Upatanisho group consists of 28 members.
Kavira P. est entrepreneur, leader du groupe d’affaire Upatanisho, âgée de 48 ans, mariée, mère de 9 enfants dont certains ont leurs propres foyers et d’autres vont encore à l’école. Son mari est chômeur, sans emploi. La cliente Kavira P. est vendeuse d’huile de palme et l’huile végétal raffiné Rina. Elle expose ses marchandises au long de la rue et parfois à son domicile. Bientôt 7 ans qu’elle exerce cette activité. Elle démarra son activité avec un fonds de crédit reçu de l’IMF Hekima vers 2004. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouvelles marchandises (6 bidons d’huile de palme et 4 cartons d’huile végétal raffiné Rina, 2 sacs de farines, etc.). En plus, elle ambitionne agrandir son entreprise et construire dignement une belle maison pour sa famille. Selon elle, le crédit de Hekima lui a servi de vivre dans des conditions de vie socialement acceptables. La cliente Kavira P. remercie l’IMF Hekima et ses partenaires pour leurs actions dédiées aux pauvres femmes exclues de banque classique. Le groupe Upatanisho est constitué de 28 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.