Masika, representative for the business group "Zamiri" is an entrepreneur, aged 69, a widow, and a grandmother of several boys and girls. She sells fresh and smoked fish at the central market of Virunga. She has been in this business for about 30 years. She has just finished 17 rounds of loans with the banque communautaire Hekima. This new loan will help her stock up on four baskets of fish and the rest of the money will be used for small family projects. She lives comfortably in peace with her children and grandchildren. However, she has a goal to buy a small parcel of land that she can leave to her next of kin. She thanks Hekima for its work with poor women who are excluded from the traditional banking industry. Zamiri group remains dedicated to its work and business success.
La cliente Masika, représentante du groupe d’affaire « Zamiri » est entrepreneur, âgée de 69 ans, veuve, grand mère de plusieurs petits fils et filles. Elle est vendeuse de poissons frais et fumés au marché central de Virunga. Environs 30 ans qu’elle exerce cette activité. Cependant, elle vient de réaliser 17 cycles avec le crédit de Hekima dans la banque communautaire. Ce nouveau crédit doit lui servir de s’approvisionner avec 4 paniers de poissons et le reste d’argent sera affecté dans les petits projets de la famille. Elle est confortable de vivre en paix avec ses enfants et petits fils et filles. Ainsi donc, elle ambitionne acheter une parcelle qu’elle léguera à sa descendance. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. Le groupe « Zamiri » reste caractériser par le travail et le succès dans les affaires.
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.