Birindwa is the leader of the "Furahini" credit co-operative. She is a plucky 34 year old entrepreneur, and the mother of six children - all studying in school. Her husband is a general trader. She sells phone credit and SIM cards; she began the business with funding from her husband, about seven years ago. This new loan will allow her to purchase 30 Vodacom cards, 20 MTNI cards, 20 Orange cards, and 30 Airtel cards. Her business faces some significant obstacles to its development - such as the widespread economic crisis following the war and its impact, disruptions in the communication networks, and various losses.
In the future, she wants to grow her business and educate her children. Thus, she thanks Hekima for its micro-credit support for women entrepreneurs.
It should be noted that one client is holding her baby in the photo.
La cliente Birindwa est leader du groupe de crédit « Furahini », jeune entrepreneur courageuse, âgée de 34 ans et mère de 6 enfants, qui étudient tous. Son conjoint est un commerçant de divers. La cliente est vendeuse des unités cellulaires et SIM card. Elle commença cette activité avec le fonds reçu de son mari, il y a environ 7 ans. Ce nouveau prêt va lui servir d’acheter 30 cartes d’unités Vodacom, 20 cartes MTNl, 20 Cartes Orages, 30 cartes Airtel. La crise économique généralisée suite aux effets de la guerre, les perturbations de réseaux de communication, les pertes divers sont des obstacles majeurs pour le développement de son activité. Dans le futur, elle souhaite agrandir son entreprise et scolariser ses enfants. Ainsi, elle remercie Hekima pour son soutien en micro crédit aux femmes entrepreneurs.Il sied de signaler une cliente porte son bébé.
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.