Furaha is the leader of the Asifiwe group. She is a 21-year old single entrepreneur. She sells staple foods. She also works as a seamstress. Since dropping out of school, she has been learning various trades. She has learned from her mother. She is a member of a sewing shop. She launched her business with her own funds. Later on, she requested support from IMF Hekima. This new loan will allow her to stock up by buying two bags of beans, one bag of peanuts, vegetable oil, etc.; one part of the loan will also be used for her sewing shop. Her main challenge in her business are various taxes and fees. She thanks Hekima for its support and for helping women who are small business owners become financially independent.
La cliente Furaha est conseillère du groupement d’affaire Asifiwe, jeune entrepreneur, célibataire, âgée de 21 ans. Elle est vendeuse des denrées alimentaires. Elle fait également la coupe couture. De lors qu’elle a raté son parcours scolaire, elle a fait la formation de petits métiers. Elle s’entraide avec sa maman dans ces petites activités. Elle est sociétaire d’un atelier de couture. Elle commença son entreprise avec son fonds propre. Plus tard, elle sollicita le soutien de l’IMF Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 2 sac de haricots, 1 sac d’arachides, huiles, etc., et une autre somme de crédit sera affectée dans son atelier de couture. Le grand défi qu’elle connait dans son activité est la multiplicité de taxe. 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.