Kapinga N. is an entrepreneur and president of the "Sarepta" business group. She is 64 years old, married and mother to ten children, the eldest son being 46 years old and the youngest being 26 years old. All her ten children have got university diplomas. Her husband is an accountant in a public company, namely the National Café Office (Office national du café - ONC). The customer, Kapinga N. is a baker. She also has a shop in order to maximise her income. She has been carrying out her bakery business for the past 33 years. She started the business with a capital generated from the production of crop from the fields. This crop was worth USD 6 at the time. This new loan will allow her to get fresh supplies of basic products (20 bags of flour, sugar, yeast etc.). Her ambition for the future is to expand her business and, above all, her production space, but also to get her children started up in providing for themselves. Kapinga N. is grateful to Hekima for its actions in favour of poor people who are excluded from classic banks. It should be noted that the "Sarepta" business group is made up mainly of women.
Kapinga N. est entrepreneur, présidente du groupe d’affaire « Sarepta », âgée de 64 ans, mariée, mère de 10 enfants dont le fils ainé a 46 ans et le cadet a 26 ans. Tous ses 10 enfants ont leurs diplômes universitaires. Son mari est un comptable dans une entreprise publique « Office national du café (ONC)». La cliente Kapinga N. est boulangère. Elle a aussi une boutique pour maximiser assez des revenus. Il ya 33 ans qu’elle exerce cette activité de boulangère. Elle démarra son business avec de fonds propre issu de production de récolte du champ. Cette récolte valait 6$ à l’époque. Ce nouveau crédit doit lui servir de s’approvisionner avec des matières premières (20 sacs de farines, sucre, levures, etc.). En plus, elle ambitionne agrandir son entreprise et surtout l’espace de production et initier ses enfants dans l’auto prise en charge. La cliente Kapinga N. remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Il sied de signaler que le groupe d’affaire « Sarepta » est majoritairement féminins.
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.