The client, Kyakimwa is an entrepreneur, the head of the business group "Neema", older than 50, married, and the mother of four children some of whom are students and others have their own homes. Her husband is a manager of a public customs business "l’Office Congolais de Contrôle (OCC)". The client is a drink seller (Primus, Aigles, Fanta, etc.). She has been doing this for more than 10 years. In 2005, she received her first loan from Hekima, she has gone through 21 credit cycles. This new line of credit will be used to buy 10 cases of Primus, 10 cases of Aigles, and 5 cases of Fanta. She hopes to send her children to school and build a house on her own land. The client thanks Hekima for their support of poor, unbanked women.
La cliente Kyakimwa est entrepreneur, doyenne du groupe d’affaire « Neema », âgée de plus de 50 ans, mariée, mère de 4 enfants dont certains étudient et d’autres ont leurs propres foyers. Son mari est un cadre d’une entreprise publique douanière « l’Office Congolais de Contrôle (OCC) ». La cliente est vendeuse de boissons (Primus, Aigles, Fanta, etc.). Il ya 10 ans révolus qu’elle exerce cette activité. Cependant, en 2005, elle bénéficia le premier crédit de Hekima, actuellement, elle a réalisé 21 cycles de crédit. Ce nouveau crédit doit lui servir d’acheter 10 casiers de Primus, 10 casiers Aigles et 5 casiers de Fanta. En plus, elle ambitionne scolariser ses enfants et construire une maison dans sa propre parcelle. La cliente remercie Hekima pour ses actions en faveur 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.