The client, a member of the Tupendane credit group, is a courageous 31-year-old businesswoman. Her husband is a soldier who left her more than eight years ago. She sells second-hand goods in a small informal market in the Muzenze military camp. She was introduced to the business by acquaintances in 2009, and later learned about the micro-credit offered by Hekima. Her business income goes toward savings, food, and her children's education. She has just taken out her eighth loan, and has seen her business prosper, so she decided to increase her loan amount for this new cycle. Her new loan will allow her to buy chairs, mattresses, and televisions to re-sell. She wants to see her four children grow up comfortably, and she would like to buy a piece of land in the future. She thanks Hekima for helping low-income women gain independence. In the photo, she is carrying her baby on her back.
La cliente Furaha, membre d’une association de crédit Tupendane, femme courageuse, entrepreneur, âgée de 31 ans. Son mari est un militaire, malheureusement, qui l'a abandonné depuis plus de 8 ans. Elle est vendeuse de biens d’occasion (second hand) dans un petit marché noir (informel) situé dans le camp militaire Munzenze. Elle fut initiée par ses pairs en 2009 dans cette affaire. Plus tard, elle fut informée de micro crédit qu’octroi l’IMF Hekima. 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 8eme crédit. Au cours de la période, cette cliente a vu ses affaires prospèrent positivement. Ainsi, elle a décidé d’augmenter son montant de crédit pour ce nouveau cycle. Ce nouveau crédit doit lui servir d’acheter de chaises, matelas, de télévision à revendre. En plus, elle souhaite voir ses 4 enfants grandir confortablement et acheter une parcelle dans le futur. La cliente remercie Hekima pour les actions d’autonomisation de pauvres femmes à faible revenu.Il sied de signaler qu’une cliente porte son bébé au dos.
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.