Balume is the head of the business group Usalama. She is a 44-year-old widow and mother of 5 children who are all in school. She has other children who have already made their own homes. She is a retailer of onions and garlic in the city of Goma. She rents an area to display her products in an agricultural warehouse. She started her business with a loan from the MFI Hekima. She just completed 15 loan cycles with Hekima and benefited from several of its promotional deals. With the loans, she has been able to achieve some modest investments (schooling of her children, chairs, etc). This new loan will help her to buy inventory of 10 bags of garlic and 4 bags of onions. Her current challenge is the continued insecurity in the area where she buys her inventory. All the more, she would like to thank Hekima for its support and its work to help small business become independent.
La cliente Balume est conseillère du le groupement d’affaire Usalama, elle est âgée de 44 ans, veuve et mère de 5 enfants qui étudient tous et d’autres ont déjà leurs propres ménages. La cliente est vendeuse des Oignons, aies au dans la ville de Goma. Elle est expose des marchandises dans un entrepôt agricole de Birere, qu’elle prend en location. Elle commença son entreprise avec le crédit de l’IMF Hekima. Elle vient de réaliser 15 cycles dans le programme de microcrédit. Elle a bénéficié plusieurs produits promotionnels qu’offre Hekima. Grace aux crédits, elle a réalisé des investissements modestes pour sa famille (scolarité des enfants, chaises, etc.). Ce nouveau crédit doit lui servir de s’approvisionner avec 10 sacs de aies, 4 sacs d’oignons. Le défi actuel pour elle, c’est la permanence de l’insécurité dans les zones d’approvisionnement. Ainsi, dit-elle, 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.