Adela is a member of the group Joyeuse. She is a very experienced and ambitious entrepreneur. She is married and has one child. Her husband is a farmer. Adela sells charcoal. She sells her merchandise in the central market of Majengo. She started her business with her own funds. Later, she sought help from the microfinance institution Hekima. She has had this business for about 5 years. During her previous loan cycle, there were many cases of illness in her family. This new loan willl enable her to buy 5 bags of charcoal. Adela is comfortable with her business. In the future, she plans to buy a plot of land and build a home. For this, she would like to thank Hekima for its support and for empowering women entrepreneurs.
La cliente Adela est membre dans le groupe de crédit Joyeuse, entrepreneur très ambitieux expérimentée. Elle est mariée et mère de d’un enfant. Son mari est un cultivateur. La cliente est vendeuse de braises. Elle étale ses marchandises au marché central de Majengo. Elle commença son entreprise avec son fonds propre. Plus tard, elle sollicita le soutien de l’IMF Hekima. Environs 5 ans, elle exerce cette activité. Durant le cycle de crédit passé, elle a connu beaucoup de cas de maladies dans sa famille. Ce nouveau crédit doit lui servir de s’approvisionner avec 5 sacs de braises. Cette cliente est confortable avec son business. Dans le futur, elle compte acheter une parcelle et construire une maison d'habitation. 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.