Nyane is a young entrepreneur, president of the group "Abariki." She is about 28, married, and mother of three children. She and her husband support their small business and she sells cigarettes. She also sells salted fish to add to her sales. She has been in this business for five years. She started her business with her own funds that she received from her husband. This loan will help her increase her supply with five cartons of "Stella" cigarettes and the rest of the money will go to small family projects. Additionally, she wants to grow her enterprise, send her kids to school, and build a house. She thanks Hekima for their service to the poor who are excluded from traditional banks.
La cliente Nyane est jeune entrepreneur, présidente du groupe d’affaire « Abariki», âgée d’environ 28 ans, mariée, mère de 3 enfants. Elle s’entraide avec son mari dans leur petit business. La cliente est vendeuse de cigarettes. Elle vend également des poissons salés pour accroitre ses revenus. Il y a 5 ans qu’elle exerce cette activité. Elle démarra son business avec son fonds propre reçu de son mari. Ce nouveau prêt doit lui servir de s’approvisionner avec 5 cartons cigarette Stella et le reste d’argent sera affecté dans les petits projets de la famille. En plus, elle ambitionne agrandir son entreprise, scolariser ses enfants et construire une maison. La cliente remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique
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.