Kahindo is the leader of the Mungu Iko group. She is 40 years old, a dynamic entrepreneur and the mother of 6 children, who all attend school. Her spouse is an employee of a tabacco company (Supermatch). Kahindo provides sewing and tailoring services in her workshop. She started her business with her own funds and her husband bought her a sewing machine. She has been in this line of work for nearly 18 years. She dreams of opening a large workshop and becoming the town's main designer. This new loan will allow her to buy items like fabric, lace, buttons and thread. She thanks Hekima for its financial support.
La cliente Kahindo est président du groupe Mungu Iko, entrepreneur dynamique, âgée de 40 ans et mère de 6 enfants, qui étudient tous. Son conjoint est agent dans une société de tabac (supermatch). Cette cliente fait la coupe-couture dans son atelier. Elle commença avec son fonds propre et son mari lui paya une machine à coudre. Bientôt 18 ans, elle exerce cette activité. Elle rêve ouvrier un grand atelier et devenir modéliste de la ville. Ce nouveau prêt va lui servir d’acheter les tissus, dentelles, boutons, fils, etc. Ainsi, elle remercie Hekima pour son soutien financier.
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.