Kavira is the leader of the "Ahadi" business group. She is a 43-year-old entrepreneur and the mother and grandmother of several boys and girls. Her husband is a mechanic and she has been in sales since she was a young girl. She currently sells bananas (plantains). She got her initial capital from her husband and has already completed 9 loan cycles with Hekima. She will use this new loan to buy 15 bunches of plantains and realize some small family projects. Kavira also hopes to be able to cover her children´s educational expenses and watch them grow up comfortably. She would like to thank Hekima for helping disadvantaged women excluded from regular bank lending channels.
La cliente Kavira, leader du groupe d’affaire «Ahadi», est entrepreneur, âgée de 43 ans, mariée, mère de plusieurs enfants et petits fils et filles. Son mari est un mécanicien. Elle est vendeuse de bananes (plantains). Elle exerce ces petites activités génératrices de revenus de ce genre depuis sa jeunesse. Cependant, elle vient de réaliser 9 cycles avec crédit de Hekima. Son premier capital fut reçu de son mari. Ce nouveau crédit doit lui servir de s’approvisionner avec 15 régimes de bananes et réaliser d’autres micros projets de la famille. En plus, elle souhaite voir ses enfants grandir confortablement et scolariser ses enfants. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de 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.