The client named Masika, representative of the business group called « Tusaidiane » is a 45-year-old entrepreneur, married and the mother of five children, all enrolled in school. She is an artisan, making fired brasiers using clay. She and her husband share the duty of selling the products. She sets up her brasiers alongside the road, at different sales points. Please note that these clay brasiers reduce the cost and use of charcoal, so she contributes to protecting the environment. She has been in this business for 10 years, however, she has just completed her 18th loan with Hekima.
This new loan will serve to buy clay, 10 pieces of sheet metal, etc. She also wants to pay school fees for her children and build a fence around her property. The client thanks Hekima for working on behalf of poor women who are excluded from conventional banks. Please also note that the business group « Tusaidiane» is made up mostly of women.
La cliente Masika représentante du groupe d’affaire « Tusaidiane », est entrepreneur, âgée de 45 ans, mariée, mère de 5 enfants, tous étudient. Elle fait l’artisanat, la forgerie de fabrication des braseros à travers le sol d’argile. Elle s’entraide avec son mari dans la commercialisation de ces produits. Elle étale ces braseros au long de la route, sur les différents points de vente. Signalons que ces braséros réduisent le cout de consommation de braises. D’où, sa contribution sur la conservation de l’environnement. Il ya 10 ans révolus qu’elle exerce cette activité. Cependant, elle vient de réaliser 18 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec la terre d’argile, 10 tôles, quelques carcasses, etc. En plus, elle ambitionne scolariser ses enfants et construire une clôture autour de sa résidence. 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 « Tusaidiane» 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.