The client Victorine is a councillor in the loan group Joyeuse, a very ambitious and experienced entrepreneur. She is married and mother to 2 young children. Her husband is a driver mechanic. The client sells small fish (locally called Ndagala). She lays out her merchandise at the central market of Virunga. She began her business with her own funds. Later, she requested support from the IMF Hekima. She has been practicing this business for about 13 years. The new loan will allow her to stock up with 5 bags of small fish. This client is comfortable with her business. In the future, she plans to buy a plot of land and build a house to live in. Thus, she thanks Hekima for its support and empowerment of women in small business.
La cliente Victorine est conseillère dans le groupe de crédit Joyeuse, entrepreneur très ambitieux expérimentée. Elle est mariée et mère de 2 jeunes enfants. Son mari est un chauffeur mécanicien. La cliente est vendeuse de fretins (localement appelé Ndagala). Elle étale ses marchandises au marché central de Virunga. Elle commença son entreprise avec son fonds propre. Plus tard, elle sollicita le soutien de l’IMF Hekima. Environs 13 ans, elle exerce cette activité. Ce nouveau crédit doit lui servir de s’approvisionner avec 5 sacs de fretins. Cette cliente est confortable avec son business. dans le futur, elle compte acheter une parcelle et construire une maison d'habitation. Ainsi, elle remercie Hekima pour son appui et autonomisation des petits entrepreneurs femmes.
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.