Wamunzila, the customer, is an adviser to the loan group "Manne" and a courageous entrepreneur. She is 53 years old and the mother of 12 children who all study, and others who already have their own households. Her spouse is a driver and she is an assistant nurse. She is the owner of a pharmacy. She started this business with funds she received from her husband. This new loan will be used to buy new products (medicines). Taxes, legal and administrative problems are major obstacles to the development of her business. In the future, she would like to expand her business, build a home and make sure that her children get an education. She would like to thank Hekima for its financial support in the form of microloans given to female entrepreneurs.
La cliente Wamunzila est conseillère du groupe de crédit « Manne », entrepreneur courageuse, âgée de 53 ans, mère de 12 enfants, qui étudient tous et d’autres ont déjà leurs propres foyers. Son conjoint est un chauffeur. La cliente est une assistante infirmière. Elle est propriétaire d’une officine pharmaceutique. Elle commença cette activité avec le fonds reçu de son mari. Ce nouveau prêt va lui servir d’acheter nouveaux produits (Médicaments). Les taxes, tracasseries policières et administratives sont des obstacles majeurs pour le développement de son activité. Dans le futur, elle souhaite agrandir son entreprise, construire sa maison et scolariser ses enfants. Ainsi, elle remercie Hekima pour son soutien en micro crédit aux femmes entrepreneurs.
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.