Mawazo, the leader of the "Fidelité" group, is 48 years old and has 5 children, some of whom are students and others of whom have their own households. Her husband is unemployed. She is the manager of a store (kiosk). She has run this business for four years. This new loan will serve to obtain supplies of various items sold at her kiosk, in particular 21 boxes of soap, 2 cartons of "Nido" milk, 1 box of beauty lotions, 50kg of sugar, 2 cases of sweet drinks, etc., and the rest of the money will be used to complete small household projects. In addition, her ambition is to buy a plot of land and build a comfortable house. In the meantime, this client is thankful to HEKIMA for its socially conscious actions on behalf of poor women without access to the traditional banking system.
La cliente Mawazo est conseillère du groupe « Fidélité », âgée de 48 ans, mère de 5 enfants,tous étudiants et d'autres ont leurs propres foyers. Son Mari est sans emploi, chômeur. La cliente est sociétaire d’une boutique (kiosque). Il y a 4 ans qu’elle exerce cette activité. Ce nouveau crédit va lui servir à s’approvisionner en articles divers de son kiosque, notamment .21 cartons de savons, 2 cartons de lait Nido, 1 carton de lotions de beauté,50kgs de sucre, 2 casiers de boissons sucrées, etc. le reste d’argent va lui servir dans la réalisation des petits projets de ménage.En plus, elle ambitionne acheter une parcelle et y construire confortablement une maison. Cependant, la cliente remercie HEKIMA pour ses actions sociales orientées en faveurs des pauvres femmes exclues de la banque classique.
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.