Kahambu is a member of the Tusaidiane business group. She is married and the mother of three young children. Kahambu is a seamstress and works with her husband in tailoring. She is a member of a small tailoring workshop, organized in her home. She began her business with her own funds and has been in business for about 15 years. Kahambu later requested aid from Hekima, and she has recently completed 13 cycles in its microcredit program. The main challenge in her line of business is its cyclical nature; she often has large orders during holiday periods. This new loan will allow her to buy sewing supplies (fabrics, thread, ribbon, lace, poplin, etc.). She wants to grow her business. Kahambu thanks Hekima for its support and for helping women entrepreneurs to gain independence.
La cliente Kahambu est membre du le groupement d’affaire Tusaidiane, elle est mariée et mère de 3 jeunes enfants. La cliente est couturière. Elle s’entraide avec son mari dans ce métier de coupe couture. Elle est sociétaire d’un petit atelier de coupe couture, organisé à son domicile. Elle commença son entreprise avec son fonds propre. Environs 15 ans, elle exerce ce métier. Plus tard, elle sollicita le soutien de l’IMF Hekima, elle vient de réaliser 13 cycles dans le programme de microcrédit de Hekima. Le grand défi de cette activité est qu’elle est périodique. Elle réalise les grandes recettes souvent pendant les périodes de festivités. Ce nouveau crédit doit lui servir de s’approvisionner avec les matériels de couture (tissus, fils, ribat, dentelles, popeline, etc.). Elle ambitionne agrandir son entreprise. 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.