Umoja Kibabi Group
She sells drinks: Primus beer, Mutzig beer, and Fanta (orange soda), etc. She displays her products in front of the shops of friends and acquaintances (on the roadside, at the Signers traffic circle) to be sold wholesale and sometimes, out of her home, retail. She began her little business with her own money, received from her father-in-law as a form of assistance. Her initial working capital amounted to $20, or the price of two cases of Primus beer. She has been in this business for 16 years. This new loan will allow her to buy 33 cases of Fanta and Primus.
She hopes to see her children grow up comfortably and to expand her business. This client thanks Hekima for its efforts on behalf of poor women who are excluded from conventional banking services.
La cliente Baseme, leader du groupe d’affaire «Umoja Kibabi », est jeune entrepreneur, âgée de 37 ans, mariée, mère de 5 enfants tous étudient convenablement. Son mari est chômeur (sans emploi). En dehors de ses enfants légitimes, elle héberge également 4 autres enfants de sa famille élargie (cousin, neuve, voisin du village). Elle est vendeuse des boissons (bière Primus, Mutzing et Fanta, etc.). Elle expose ses produits devant des boutiques des amis et connaissances (sur la voie publique, rond point Signers) pour la vente en gros et parfois à son domicile c’est la vente en détails. Elle a commencé son petit commerce avec son fonds propre reçu de son beau père sous forme d’assistance. Son capital initial était 20$ équivalent aux deux caisses de la bière Primus. Il y a 16 ans qu’elle exerce cette activité. Ce nouveau crédit doit lui servir de s’approvisionner avec 33 casiers de Fanta et Primus.
Elle souhaite voir ses enfants grandir confortablement et agrandir son entreprise. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique.
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