The representative of the "Lumière" business group is a 30-year old entrepreneur, who is married and mother to five children, all of whom are studying. Her husband is a motorbike taxi-driver in the town of Goma. The customer is a trader of various items in the Nyabushongo sector market. She has been carrying out this activity for the past seven years. She has had four loans from Hékima. This new loan will enable her to buy ten pairs of shoes, ten plastic bowls, a carton of biscuits, a box of kitchen salt, ten cups etc. Her ambition is for her children to be able to study and to build a house on her own piece of land. The customer is grateful to Hekima for the help it gives to poor women who do not have access to classic banks. It should be noted that the majority of the "Lumière" business group are women.
La représentante du groupe d’affaire « Lumière », est entrepreneur, âgée de 30 ans, mariée, mère de 5 enfants, tous étudient. Son mari est un chauffeur – Taximan motard dans la ville de Goma. La cliente est commerçante des articles divers au marché sectoriel Nyabushongo. Il ya 7 ans révolus qu’elle exerce cette activité. Cependant, elle vient de réaliser 4 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir d’acheter 10 paires de souliers, dizaine de bassins plastics, 1 carton biscuits, 1 box du sel de cuisine, dizaine de gobelet, etc. En plus, elle ambitionne scolariser ses enfants et construire une maison dans sa propre parcelle. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. Il sied de signaler que le groupe d’affaire « Lumière» 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.