This new loan will be used to purchase chairs, beds, mattresses, clothing, TV sets, radios, telephones, etc. The obstacles in developing her business are police and legal actions (especially when goods on sale are presumed to be stolen from third parties).
For the future, she would like to expand her enterprise, provide schooling for her children, and build a house. It should be noted that "bwaka" is a commercial activity for used goods. So, she thanks Hekima for its micro-credit support of women entrepreneurs.
La cliente Kafurhumika est conseillère du groupe de crédit « Mapatano», jeune entrepreneur courageuse, âgée de 36 ans et mère de 8 enfants, qui étudient tous. Son conjoint est un infirmier. La cliente est vendeuse de divers objets d’occasion (second hand) localement appelés « Bwaka ». Elle commença cette activité avec le crédit de l’IMF Hekima. Ce nouveau prêt va lui servir d’acheter les chaises, les lits, matelas, habits, appareil TV, radio, téléphones, etc. Les poursuites policières et judiciaires (surtout lors qu’elle revend un article présumé volé auprès de tiers) sont des obstacles pour le développement de son activité. Dans le futur, elle souhaite agrandir son entreprise, scolariser ses enfants et construire sa maison. Il sied de signaler que le Bwaka est une activité commerciale destinée aux biens d’occasion. Ainsi, elle remercie Hekima pour son soutien en micro crédit aux femmes entrepreneurs.
Important InformationHEKIMA 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.
About Congo (Dem. Rep.)
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Success!! The loan was 100% repaid