Nzeyi, who is a member of the Utulivu business group, is a 25 year old business woman and single. She sells onions and garlic. She sets up shop in a vending place in the agricultural commercial centre at Birere. She has been in this business for 3 years. However she has just finished 4 credit cycles with Hekima. This new loan will enable her to buy stock of 1 sack of onions and 3 sacks of garlic. In addition she hopes to purchase a plot of land for her family and build on it. The client is grateful to Hekima for their activities in favour of poor women who do not have access to classic banking institutions. It should be noted that the Utulivu business group is predominately feminine and represented by a single girl who is the leader.
La cliente Nzeyi , membre du groupe d’affaire « Utulivu », est entrepreneur, fille d’affaire, âgée de 25 ans, célibataire. Elle est vendeuse des oignons, ails. Elle s’installe dans un dépôt de vente au centre commercial agricole de Birere. Il ya 3 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 de s’approvisionner avec 1 sac d’oignons, 3 sacs d’ails. En plus, elle ambitionne acheter une parcelle pour sa famille et y construire aisément. 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 «Utulivu» est majoritairement féminins et représenté par une jeune fille leader.
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.