The borrower is the leader of the SEPHORA business group. She is a dynamic 26-year-old entrepreneur, mother of three young children. She has a small fuel retail business and sells gasoline. She and her husband work together in this business. She sets her goods on the side of the road, near the entrance of the TMK neighborhood, which is a strategic point where taxis (cars and buses) start their routes. She has been involved in this type of small income-generating activity for more than 5 years now.
She has just completed five loan cycles with Hekima. This new loan will be used to purchase 4 containers of liquid fuel (kerosene, Mazout, motor oil) for resale.
She would also like to build a house and see her children grow up comfortably. She thanks Hekima for its actions dedicated to the economic and financial empowerment of low-income women.
La cliente, leader du groupe d’affaire « Sephora », est un entrepreneur dynamique, âgée de 26 ans, mère de 3 jeunes enfants. Elle est vendeuse de carburant (petite pétrolière). Elle s’entraide avec son mari dans cette activité. Elle installe ses marchandises au long de la route, à l’entrée du quartier TMK, alors point stratégique d’embarquement d’auto bus-taxi. Il y a 5 ans révolus qu’elle exerce ces petites activités génératrices de revenus de ce genre. Cependant, elle vient de réaliser 5 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 4 bidons de pétroles (d’essences kérosène, Mazout, motor oil) à marchander. En plus, elle souhaite voir ses enfants grandir confortablement et construire une maison d’habitation. La cliente remercie Hekima pour ses actions dédiées de pauvres femmes pour leur émancipation économique et financière.
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.