Sekera, the customer, is an advisor to the "Ufalme" business group. A doyenne and experienced, dynamic entrepreneur, she is 61 years old, widowed and the mother of 8 children, 4 of whom go to school. The others already have their own households. Sekera sells maize. She displays her products at home. She started her business about 30 years ago with her own funds, received from her husband. This new loan will be used to buy 4 bags of maize. She would like to increase her business, feed and educate her children and buy them a plot of land. The lack of sufficient capital is a challenge to the growth of her business. Finally, she wishes to strongly thank Hekima for its support of small entrepreneurs in the form of microloans.
La cliente Sekera est conseillère du collectif d’affaire « Ufalme», doyenne, entrepreneur dynamique expérimentée, âgée de 61 ans, veuve et mère de 8 enfants dont 4 étudient tous et les autres ont déjà leurs propre foyers. La cliente est vendeuse Maïs. 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 4 sacs de maïs. Ainsi, elle souhaite accroitre son entreprise, scolariser, nourrir ses enfants et acheter une parcelle pour ses enfants. L’insuffisance du capital constitue un défi pour le développement de son activité. 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.