She sells onions and garlic. Her husband sadly passed away eight years ago after a short illness. She displays her wares at the Birere agricultural sales center, in a public warehouse. She has been in this business for over 16 years. Moreover, she just went through six cycles with Hekima loans. This new loan will be used to procure two bags of onions and two bags of garlic. In addition, she ambitions to keep her children in school and to build a house for her orphaned children.
The customer thanks Hekima for its action in favor of underprivileged women excluded from traditional banking. It is worth mentioning that the "Salama" business group is composed of 15 customers, but that since their business partner wished to be part of the group picture, 16 people are visible on the photo.
Important InformationHEKIMA 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.
About Congo (Dem. Rep.)
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Success!! The loan was 100% repaid