The customer Nabarankaranka is an advisor to the Hodari business group. She is 37 years old and the mother of 5 children. This customer lives without a spouse. She sells mobile phones. She displays her articles along the Katindo road. Before starting this business, she sold suitcases and various other items. She started her commercial activities using her own funds, received from her boyfriend. This new loan will enable her to buy 40 mobile phones. In this way, she wishes to grow her business and become a wholesaler. Finally, she commends Hekima's actions to empower non-bankable women.
La cliente Nabarankaranka est conseillère du groupe d'affaire Hodari, âgée de 37 ans, mère de 5 enfants. Cette cliente vit sans conjoint. Elle est vendeuse de téléphones cellulaires. Elle installe ses articles au long de la route Katindo. Avant d’exercer cette affaire, elle vendait de valises et articles divers. Elle avait commence ses activités commerciales avec son fonds propre reçu de son petit ami. ce nouveau pret va lui servir d’acheter 40 mobiles cellulaires. Ainsi, elle souhaite accroitre son entreprise et devenir grossiste. Au finish, elle salut l’action de Hekima pour l’autonomisation de 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.