Madame Riziki is a dynamic woman from the business group 'Confiance' (Confidence). She has been married to a man without a job for over 25 years. 52 years old, she is the mother of nine children, all in school. She started her business through the assistance of her husband before gaining the confidence of the business group that she has now been part of for over two years. She is asking for this loan in order to buy 20 ten liter containers of milk (yogurt) as stock. She wishes to continue her business in order to provide for her family's future. She is thankful for this loan.
Madame Riziki est une femme dynamique de l’association d’affaire confiance. Elle est mariée à un homme sans emploi depuis plus de 25 ans. Agée de 52ans, elle est mère de 9 enfants tous scolarisés. Elle avait débutée son commerce par l’entraide de son mari avant de regagner l’association d’affaire confiance dont elle fait partie depuis plus de 2ans. Elle sollicite ce credit pour acheter 20 bidons de lait (yaourt) de 10 litres en termes de provision. Elle souhaite une bonne continuité de ses activités afin d’assurer l’avenir de sa famille. Elle remercie pour son prêt.
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.