The leader of the "Zawadi" business group is an entrepreneur and 47-year-old married mother of nine young children, all of whom are in school. Her husband is a small merchant. She sells basic foodstuffs such as peanuts, ndagala (a type of fish), etc. For 12 years, she has run small income-generating activities like this one. However, she has just obtained her 18th loan from Hekima. This new loan is meant to allow her to supply herself with two bags of groundnuts, one bag of ndagala, etc. In addition, she hopes to see her children grow up comfortably and to enlarge her business. This client is grateful to Hekima for its actions in favour of poor women excluded from the mainstream banking system. It should be noted that certain compatriots of the "Nyabushongo" market are included in the group photo to show their solidarity, and that one of the clients is carrying her baby in her arms.
La cliente leader du groupe d’affaire «Zawadi », est entrepreneur, âgée de 47 ans, mariée, mère de 9 jeunes enfants, qui étudient tous. Son mari est un petit commerçant. Elle est vendeuse des de denrées alimentaires (arachides, ndagara, etc.). Il y a 12 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 18eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sacs des arachides, 1 sac de ndagara, , etc. En plus, elle souhaite voir ses enfants grandir confortablement et accroitre son entreprise. La cliente remercie Hekima pour ses actions en faveur de pauvres femmes exclues de banque classique. Il sied de signaler que certains coéquipiers du marché « nyabushongo » se sont joints sur la photo du groupe pour manifester leur solidarité et une des clientes, porte son bébé en main.
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.