Kasereka, the customer, is the treasurer of the "Ahadi" business group. A young and experienced entrepreneur of 37 years of age, she is the mother of 2 children who both attend school. Her spouse is a mechanical engineer. She sells clothing; pagnes (highly colourful and decorative West African cloth). She sells her merchandise at the market and occasionally at home. She started her business about 6 years ago with her own funds which she received from her husband. This new loan will be used to buy 10 pieces of pagnes. She wishes to increase her business and feed and educate her children. Finally, she would like to strongly thank Hekima for the support it provides to small entrepreneurs in the form of microloans.
La cliente Kasereka est trésorière du collectif d’affaire « Ahadi», jeune entrepreneur expérimentée, âgée de 37 ans et mère de 2 enfants qui étudient tous. Son conjoint est un ingénier mécanicien. La cliente est vendeuse d’habillement (pagnes). Elle installe ses articles au marché, parfois à son domicile. Elle commença ses affaires avec son fonds propre reçu de son mari, il y a environ 6 ans. Ce nouveau prêt va lui servir d’acheter 10 pièces de pagnes. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses enfants. 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.