The representative of the business group " Lumière ", has her hand raised on the photo. She is a 30 year old entrepreneur who is married with five children, all of whom go to school. Her husband is a driver - a motorcycle taxi-man in Goma. This client sells various articles at the local market in Nyabushongo. She has been doing this job for more than seven years. However, she has just achieved nine loan cycles with Hekima. This new credit will enable her to buy 10 pairs of shoes, about 10 plastic bowls, a box of biscuits, a box of kitchen salt, about ten cups, etc. Furthermore, she aims to send her children to school and build her house comfortably. The client thanks Hekima for their support in favour of poor women who are excluded from classic banking institutions.
La représentante du groupe d’affaire « Lumière », qui lève sa main sur la photo, est entrepreneur, âgée de 30 ans, mariée, mère de 5 enfants, tous étudient. Son mari est un chauffeur – Taximan motard dans la ville de Goma. La cliente est commerçante des articles divers au marché communal de Nyabushongo. Il ya 7 ans révolus qu’elle exerce cette activité. Cependant, elle vient de réaliser 9 cycles avec le crédit de Hekima. Ce nouveau crédit doit lui servir d’acheter 10 paires de souliers, dizaine de bassins plastics, 1 carton biscuits, 1 box du sel de cuisine, dizaine de gobelet, etc. En plus, elle ambitionne scolariser ses enfants et construire confortablement sa maison. 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.