Mbambu S. is an entrepreneur and the leader of the Ufalme work group. She is 43 yeas old, married, and the mother of 9 children, two of whom already live separately and seven are still in school. Her husband is a governmental employee in public service. Mbambu S. sells traditional local drink called “madrakwa juice.” She has been in this business for several years. She just completed eight loan cycles with IMF Hekima, with the goal of bolstering her business capital. Mbambu S.’s family depends on her business, especially since public employees in Congo are not paid regularly, and when they do receive their salaries, the pay level is so low that it does not last the family for the entire month, nor does it allow for savings. This new loan will help Mbambu S. to stock up with the new ingredients (raw matters) in order to prepare “mandrakwa” (five bags of corn, 50 kg of millet, 50 kg of flour, 50 kg of sorghum, heating wood etc). In addition, her goal is to ensure the continuation of her business and to provide for proper education for her children. As a client of IMF, Mbambu S. is grateful to IMF Hekima for its actions in support of impoverished women who do not have access to traditional banking. The Ufalme group is composed of 20 members, mainly women. One of the group members [in the photo] is carrying a child on her back.
Mbambu S. est entrepreneur, leader du groupe d’affaire Ufalme, âgée de 43 ans, mariée, mère de 9 enfants parmi les quels, deux ont leurs propres foyers et sept vont à l’école. Son conjoint est un fonctionnaire de l’Etat dans le service public. La cliente Mbambu S. est vendeuse des boissons locales communément appelées jus Madrakwa. Il ya plusieurs années qu’elle exerce cette activité. Elle vient de faire 8 cycles en bénéficiant régulièrement le crédit de l’IMF Hekima, pour renforcer son capital. La famille de la cliente Mbambu S. vit de cette activité d’autant plus que les fonctionnaires de L’Etat congolais ne sont pas régulièrement payés et quand ils sont payés, ils reçoivent de rémunération très médiocre qui ne leurs permet pas de couvrir l’ensemble de tout le mois ni de faire une épargne. Ce nouveau crédit doit lui servir de s’approvisionner avec des nouveaux intra (matières premières) pour la fabrication de ce jus mandrakwa (5 sacs maïs, 50 kg millet, 50 kg farine, 50 kg sorgho, bois de chauffage, etc.). En plus, elle ambitionne pérenniser son entreprise et scolariser dignement ses enfants. La cliente Mbambu S. remercie l’IMF Hekima pour ses actions dédiées aux pauvres femmes exclues de banque classique. Le groupe Ufalme est constitué de 20 membres majoritairement femmes. Cependant, l’une des clientes porte un bébé au dos.
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.