The client is a female entrepreneur who is 36 years old and mother to eight children. Her husband is a teacher in a public school in Bukavu. The customer sell manioc flour and set up her goods in front of her house. She is a member of the Ruyuba Kadutu group and is requesting a new loan so that she can expand her micro-business by stocking up with two sacks of flour. The interest of a loan is to enable her to pay for her children's school fees, as well as to feed and clothe them. She thanks Hekima for thinking of poor women who are excluded from classic banks. It should be noted that one of the customers is carrying her baby in the photo.
La client est une femme entrepreneur, âgée de 36 ans et mère de 8 enfants. Son mari est un enseignant dans une ecole publique de Bukavu. La cliente est vendeuse de farine de manioc. Elle installe ses marchandises devant son domicile. Elle est membre du groupe Ruyuba Kadutu et sollicite un nouveau crédit pour lui permettre d’accroître sa micro entreprise en s’approvisionnant avec 2 sacs de farine. Les intérêts du crédit lui permettront de payer les frais scolaires pour ses enfants, les nourrir et de le vêtir. Elle remercie Hekima pour avoir pensé aux femmes pauvres exclues de la banque classique. Il sied de signaler qu’une cliente 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.