Desange, the customer, is the leader of the Nuru group. She is 33 years old, married and the mother of 3 children who go to school. She is a dressmaker and a member of a dressmaking and sewing workshop. She works together with her husband in this business. She started her business around 2002 with her own money and later received credit from MFI Hekima. She set up her workshop at the Virunga central market. This new loan should enable her to restock on fabric for women's clothing, fabric with which to make men's vests, golden brown buttons, poplin and other items. The customer thanks Hekima for its actions in aid of poor women excluded from regular banks.
Note: in the picture, one of the customers is carrying her baby.
la cliente Desange est présidente du groupe Nuru, âgée de 33 ans, mariée, mère de 3 enfants qui étudient. La cliente est couturière-modéliste et sociétaire d’un atelier de coupe-couture. Elle s’entraide avec son mari dans cette entreprise. Elle a commencé son activité vers 2002 avec son fond propre, plus tard, elle bénéficia de crédit de l’IMF-Hekima. Elle installe son atelier au le marché central de Virunga. Ce nouveau crédit doit lui servir d’approvisionner avec de tissus dames, tissus pour confection veste pour hommes, boutons, mordoré, popeline,etc. La cliente remercie Hekima pour ses actions en faveur de pauvres exclus de banque classique. Il sied de signaler, qu'une cliente porte son bébé.
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.