The client Odette, vice president of the "Good Shepherd" business group is a 45 year old married entrepreneur, and the mother of 6 children all of whom are educated and some of whom already have their own households. She sells fritters and is a co-owner of a payphone. Her husband is an independent electrical technician. She sells her merchandise along the principal route, Goma-Sake, near a refreshment are. She has run this business for ten years. She has fulfilled six loans cycles through loans from Hekima. This new loan will allow her to stock up with 2 bags of flour, 2 drums of vegetable oil, 50 kg of sugar, and rechargeable calling cards in 100 dollar units. Moreover, she hopes to educated her children and buy a plot of land to construct a home comfortably. The client thanks Hekima for its actions to help poor women who are normally excluded by classic banks. It may be noted that the "Good Shepherd" business group is made up, for the most part, of women..
La cliente Odette, vice présidente du groupe d’affaire « Bon berger », est entrepreneur, âgée de 45 ans, mariée, mère de 6 enfants, tous étudient et d’autres ont déjà leurs propres foyers. Elle est vendeuse de beignet et sociétaire d’un publiphone. Son mari est un technicien électricien indépendant. Elle vend ses marchandises au long de la route principale Goma-Sake, à proximité d’une buvette. Il y a 10 ans révolus qu’elle exerce ces activités. Cependant, elle vient de réaliser 6 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs de farine, 2 bidons d’huile végétales, 50 kg de sucres, les unités flash de 100 dollars rechargeables. En plus, elle ambitionne scolariser ses enfants et acheter une parcelle pour y construire confortablement. 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 « Bon berger » 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.