Madam Dunia is an ambitious woman from the business association Bunvikane. She is 28 years old, mother to 5 children of whom 3 go to school, and is married to a motorcycle driver. Involved in shopkeeping, she is specialized in the sale of fresh milk and curds which she serves at home and at the Mudaka market. She is requesting this new loan to finance the purchase of 10 cans (20L) and 10 buckets of milk as she is already dreaming of becoming a wholesaler and collector/middleman of milk. The client thanks Hekima for having strengthened her shopkeeping.
Madame Dunia est une femme ambitieuse de l'association d'affaire Bunvikane. Agée de 28ans, mère de 5enfants dont 3 scolarisées est mariée à un conducteur de moto. Engagée dans le petit commerce, elle s'est spécialisée dans la vente de lait frais et cailleux qu'elle sert à la maison et au marché de mudaka. Elle sollicite ce nouveau crédit pour financer l'achat de 10 bidons (20litres) et 10 seaux de lait comme elle rêve déjà devenir grossiste et collectrice/intermédiaire de lait. La cliente remercie Hekima du fait de l'avoir affermie dans le petit commerce.
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.