This client, Kabugho, is the leader of the Canaane loan group. She is a young entrepreneur, bravely dealing with her situation, and is 30 years old. She is married and has three young children. Her husband is a broker for a transportation carrier. This featured client sells beignets and cakes that she makes using local technology. She began this business with her own funds, given to her by her husband. However, she just received her first loan with the microfinance institution Hekima. This group recently joined Hekima's microfinance program. This client is full of hope for her business. This new loan should allow her to supply herself with one bag of flour, 10 kg of sugar, yeast, etc. She is grateful to Hekima for this first loan she is receiving without the need for a material guarantee, because thanks to this loan, she is going to improve her capital and provide for her family's various needs. It should be noted that certain clients in the photo are carrying their babies.
La cliente Kabugho est la représentante du groupe de crédit Canaane, une jeune entrepreneur, courageuse de son état, âgée d’une trente d’années. Elle est mariée et mère de 3 jeunes enfants. Son mari est un commissionnaire transporteur. La cliente en vedette est vendeuse de beignets, gâteaux, qu’elle produit avec une technologie locale. Elle a commence cette activité avec son fonds propre, alors reçu de son mari. Cependant, elle vient de bénéficier son premier crédit auprès de l’IMF Hekima. Ce groupe est nouvellement adhérant dans le programme de microfinance de Hekima. La cliente est plein d’espoir dans son activité. Ce nouveau crédit doit lui servir de s’approvisionner avec 1 sac de farine, 10 kg de sucres, les levures, etc. Elle remercie l’IMF Hekima pour ce premier crédit qu’elle reçoit sans aucune garantie matérielle, car grâce à ce crédit, elle va améliorer son capital et à subvenir aux multiples besoins de sa famille.Il sied de signer certaines clientes portent leurs bébés.
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.