Basikungoma is the leader of the Umoja Kibaba business group. She is a businesswoman aged 44 with 12 children of which five go to school and the others do not due to lack of financial means. Her husband is a mechanic. This client sells Fanta. She displays her products in a small kiosk. She started this business when she was young. Later on she gained access to Hekima loans. She has now received 11 loans from Hekima. This new loan will enable her to buy 45 crates of Fanta that she will sell during the period of festivities between Christmas and the New Year. She hopes to buy a plot of land and to build a house on it. The big difficulty in her business is that she pays too much in tax to the public administration services. In spite of the insecurity in Goma, the client is optimistic about the future. She thanks Hekima for its support for the owners of small businesses.
La cliente Basikungoma est leader du groupe d’affaire Umoja Kibaba. Elle est entrepreneur, âgé de 44 ans et mère de 12 enfants dont 5 étudient et les autres n’étudient pas faute de moyens financiers. Son mari est un mécanicien. La cliente est vendeuse de Fanta. Elle expose ses produits dans un petit kiosque. Elle commença cette micro entreprise depuis sa jeunesse. Plus tard, elle accéda aux crédits de Hekima. Actuellement, elle vient de réaliser 11 cycles dans le programme de microcrédit de Hekima. Ce nouveau crédit lui permettre d’acheter 45 casiers de Fanta, qu’elle va écouler durant cette période de festivité de noël et de nouvel an. Elle souhaite acheter une parcelle et y construire une maison. Le grand défi de son activité est qu’elle paye trop de taxes de l’administration publique. Malgré l’insécurité dans la ville de Goma, la cliente voit un futur meilleur. Ainsi, elle remercie Hekima pour son soutien aux petits entrepreneurs.
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.