This client is the leader of the “ Aksanti Mungu” business group. She is an entrepreneur, 39 years of age, married and the mother of six young children, all of whom attend school. Her husband is also a vendor. She sells staple foods. She has been earning income in this way for nine years already. She just obtained her 14th loan from Hekima. This new loan will enable to her to buy 15 jugs of vegetable oil, 10 bags of flour, 10 bags of flour, four cases of Fanta, three bags of rice, etc. In addition, she would like to see her children grow up in comfortable conditions and her business expand, and to build a durable house. As a client, she thanks Hekima for its actions in support of impoverished women excluded from traditional banking.
La cliente, leader du groupe d’affaire «Aksanti Mungu », est entrepreneur, âgée de 39 ans, mariée, mère de 6 jeunes enfants, qui étudient tous. Son mari est aussi petit commerçant. Elle est vendeuse de denrées alimentaires. Il y a 9 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient d’obtenir son 14eme crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 15 bidons huiles, 10 sacs des farines, 4 casiers de Fanta, 3sacs kg de riz, etc. En plus, elle souhaite voir ses enfants grandir confortablement, accroitre son entreprise et construire en dur. 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.