This client, Mihali, is the head of her business group Esperance. She is a brave entrepreneur, 50 years old, a widow, and the mother of six children, who are all students. Sadly, her husband died following a brief illness. This client sells shoes. She sets up her merchandise at the market downtown. She started this business around 1992 with her own funds received from her husband when alive. This new loan will serve to purchase 30 pairs of shoes for her.
This client would like to see her children finish their studies. So, she thanks Hekima very much for supporting her with micro-loans. It should be noted that some clients are obscured due to the small space in which the photo was taken.
La cliente Mihali est doyenne du groupe d’affaire Esperance, entrepreneur courageuse, âgée de 50 ans, veuve et mère de 6 enfants, qui étudient tous. Son conjoint fut tristement décédé suite à une courte maladie. La cliente est vendeuse de souliers. Elle s’installe ses articles au marché, dans le centre ville. Elle commença cette affaire vers les années 1992 avec son fonds propre reçu de son mari, de son vivant. Ce nouveau prêt va lui servir d’acheter 30 paires de souliers. La cliente souhaite voir ses enfants terminent leurs études. Ainsi, elle remercie fortement Hekima pour son soutien en microcrédit.Il sied de signaler que, il ya de clientes dont leurs visages étaient invisibles, suite à la petitesse de l’espace de prise de photo.
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.