Ms. Machozi is a member of the Tuungane business group. She is 43 years old, married to a teacher, and has six children, all of whom attend school. She displays and sells her goods at the central market in the city. This loan will allow her to supply herself with half a bag of small fry that she will be able to sell. The only difficulty she encounters in running her business is the scarcity of merchandise during procurement. However, her ambition is to expand her business in order to better respond to the needs of her household. She thanks Hekima for providing assistance to economically poor women.
Madame Machozi est membre de l'association d'affaire Tuungane. Elle est mariée à un enseignant , mère de 6 enfants qui vont tous à l'école et âgée de 43 ans. Elle étale sa marchandise au marché central de la ville. Ce nouveau crédit va lui permettre de s’approvisionner en 1/2 sac de fretins qu'elle pourra marchander. Le seul obstacle qu'elle rencontre dans l'exercice de son activité c'est la rareté de la marchandise lors de l’approvisionnement. Cependant, elle ambitionne la croissance de son activité pour mieux répondre aux besoins de son ménage et remercie Hekima pour son assistance aux femmes économiquement pauvres.
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.