Lubalira is vice-president of the Bulangaire Group. She is a young, experienced entrepreneur, 29-years old, and mother of 9 children who all attend school. Her spouse has a small goods store. Lubalira is a seller of food. She spreads her merchandise along the main road called National 4. She started her business with her own funds received from her husband. Later, she received an additional loan from Hekima. She has been in business for seven years. This new loan will enable her to buy 1 bag of manioc flour, 1 bag of corn flour, 1 jug of palm oil, 50 kg of minnows, 50 kg of onions, 2 crates of Fanta, etc. She wishes to increase her working capital and to send her children to school. Lastly, she thanks Hekima for their support of small entrepreneurs via microcredit. (It should be noted that there are uninvited children who appear in the back of the group photo.)
La cliente Lubalira est présidente adjoint du groupe d’affaire Bulangalire, jeune entrepreneur expérimentée, âgée de 29 ans et mère de 9 enfants qui étudient tous. Son conjoint fait le petit commerce de divers. La cliente est vendeuse des denrées alimentaires. Elle étale ses produits au long de la route principale dite la nationale 4. Elle commença cette affaire avec son fonds propre reçu de son mari. Plus tard, elle bénéficia le crédit additionnel de Hekima. Il y a 7 ans, que elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 1 sac de farine de manioc, 1 sac de farine de maïs, 1 bidon d’huile de palme, 50 kg de fretins, 50 kg d’oignons, 2 casiers de Fanta, etc. Elle souhaite augmenter son capital et scolariser ses enfants. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs. Il sied de signaler que vers l’horizon, il y a des enfants non invités, qui ont apparu sur la photo du groupe
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.