The client, president of the Mufariji credit group, is a courageous 39-year-old businesswoman and mother of three. She and her husband are in business together. She sells various items (clothing, shoes, oil, lotions, sugar, etc.). She began her business three years ago with money given to her by her husband, and she regularly takes out loans from Hekima to strengthen her business. Her profits go toward savings, food, and her children's schooling. She just took out her 16th loan and has seen her sales increase, so she decided to increase her loan amount for this new cycle. This new loan will allow her to buy five dozen pieces of clothing and 20 pairs of shoes. Her difficulties in business are often state taxes. She wants to see her children grow up, and would like to buy a piece of land in the future. She thanks Hekima for helping increase independence for low-income women.
La cliente, présidente du groupe de crédit Mufariji, Femme courageuse, entrepreneur, âgée de 39 ans et mère de 3 enfants. Elle s’entraide avec son mari dans le business. Elle est Vendeuse d’articles divers (habillement, souliers, huile, lotion de beauté, sucres, etc.). Il ya 3 ans qu’elle commença ses affaires avec son fonds propre reçu de son mari. La cliente bénéficie régulièrement des crédits de Hekima pour renforcer ses affaires. Les bénéfices de son activité servent d’épargne, d’alimentation et d’appui à la scolarité de ses enfants. Cependant, elle vient d’obtenir son 16eme crédit. Au cours de la période, cette cliente a vu ses ventes augmentées. Ainsi elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir d’acheter les 5douzaines d’habits, 20 paires de souliers. Ses difficultés sont souvent les taxes de l’Etat. La cliente souhaite voir ses enfants grandir et acheter une parcelle dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.
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.