This client, Chirezi, is the leader of the loan group "Ukweli". The senior member and an experienced entrepreneur, she is 67 years old and the mother of one child, who already has a home. Her husband is unemployed. This client sells soft drinks (Fanta, cola, juices). Her products are set up in her home. She started her business with her own funds from her husband about thirty years ago. This new loan will be used to purchase 10 cases of Fanta. Thus, she would like to grow her enterprise, purchase a second plot of land for her grandchildren, and educate and feed them. In conclusion, she thanks Hekima very much for its micro-credit support for small-scale entrepreneurs.
La cliente Chirezi est leader du groupe de crédit « Ukweli», doyenne, entrepreneur expérimentée, âgée de 67 ans et mère d’un enfant qui a déjà son foyer. Son conjoint est un chômeur, sans emploi. La cliente est vendeuse de boissons sucrées (Fanta, coca, jus). Elle installe ses produits à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari, Il y a environ 30 ans. Ce nouveau prêt va lui servir d’acheter 10 casiers de Fanta. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses petits fils et acheter une parcelle pour ces petits fils. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits 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.