Musoka, the leader of the group loan Mapatano, is a 40 year old entpreneur. She is married and the mother of 6 children, all of whom attend school. Her husband is an evangelical pastor in a local church. She is the owner of a sewing studio in the Ndsoho neighborhood, which she opened 8 years ago. Since then, she has asked for and obtained 10 microfinance loans from Hekima. She opened the business using proper cash from her husband. She is asking for a new loan in order to purchase sewing materials (15 meters of cloth, threads, lace, thimbles, scissors, etc). She would also like to see her children take over and grow her business in the future. Musoka greatly appreciates Hekima for enabling poor, unbanked women to being independent.
La cliente Musoka, leader du collectif de crédit «Mapatano », est entrepreneur, âgée de 40 ans, mariée, mère de 6 enfants, qui étudient tous. Son mari est un Evangéliste Pasteur dans une église locale de la pentecôte. Elle est sociétaire d’un atelier de couture installé dans le quartier Ndosho. Il y a 8 ans révolus, elle a ouvert cette entreprise. Cependant, elle vient de réaliser 10 cycles dans le projet de microcrédit Hekima. Elle démarra avec son fonds propre reçu de son mari. Ce nouveau crédit doit lui servir de s’approvisionner avec quelques matériels de couture (15 mètres de tissus, files, dentelles, mordorés, modelage, ciseaux, etc.). En plus, elle souhaite voir ses enfants grandir et accroître son entreprise. La cliente salut l’initiative de Hekima pour l’autonomisation de pauvres femmes non bancables.
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.