Siuzike, the leader of the business group called "Umoja ni nguvu", is an entrepreneur approximately 47 years old, married and the mother of three young children. Her husband is a government official; she is a partner in a restaurant, and has been doing this for ten years now. Nonetheless, she has recently completed her tenth loan cycle in the Hekima credit programme. She will use this new loan to purchase three baskets of potatoes, five litres of oil, twelve kilogrammes of flour, two cases of Fanta, milk, tomatoes, etc. Furthermore, she wants to see her children grow up and build her business.
The client welcomes Hekima's initiative in favour of poor, unbanked women.
La cliente Siuzike, leader du groupe d’affaire «Umoja ni nguvu », elle est entrepreneur, âgée d’environ 47 ans, mariée, mère de 3 jeunes enfants, qui étudient tous. Son mari est un officiel de l’Etat. Elle est sociétaire d’un restaurant. Il y a 10 ans révolus qu’elle exerce ces petites activités. Cependant, elle vient de réaliser 10 cycles de crédits dans le programme Hekima. Ce nouveau crédit doit lui servir de s’approvisionner avec 3 paniers de pommes de terre, 5 litres de huile, 12 kg des farines, 2 casiers de Fanta, lait, tomates, etc. En plus, elle souhaite voir ses enfants grandir et accroitre son entreprise. La cliente salut l’initiative de 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.