Ngalya is the leader of this business group, Uheri. She is a leader and an experienced entrepreneur. Ngalya is 54 years old and mother to 9 children who are all either attending school, or living in their own households. She is a fish saleswoman at the public market. She started her business 9 years ago with a loan from the field partner Hekima. With her earnings, Ngalya has already completed many microprojects for her family. This new loan will allow her to extend her portfolio and buy 2 sacks of salted fish. As a result of this, she hopes to be able to pay for her children's schooling and build a good house.
The supply route (Vitshumbi-Rutshuru-Goma) for Ngalya's business is very dangerous due to the activities of rebels and other outlaws. This is a huge challenge to the development of her business. Ngalya would like to warmly thank Hekima for their support (through micro-credit for small entrepreneurs who cannot operate through established banking channels) at this critical moment. It should be noted that one of the women is holding her child in the photo.
La cliente Ngalya est un leader du groupement d’affaire « Uheri», doyenne, entrepreneur expérimentée, âgée de 54 ans et mère de 9 enfants qui étudient tous et d’autres ont déjà leurs foyers respectifs. La cliente est vendeuse de poissons. Elle installe ses produits au marché public. Elle commença ses affaires avec le prêt de l’IMF Hekima, il y a plus de 9 ans. La cliente a déjà réalisé beaucoup de microprojets pour sa famille à travers les bénéfices de ce commerce. Ce nouveau prêt va lui servir d’accroitre son portefeuille en achetant 2 sacs de poissons salés. Ainsi, elle souhaite scolariser ses enfants et construire une jolie maison. L’insécurité (due aux rebelles et autres inciviques) en cours de route d’approvisionnement (Vitshumbi-Rutshuru-Goma) est un défi pour le développement de son activité. Au finish, elle remercie fortement Hekima pour son soutien en microcrédit aux petits entrepreneurs non bancables, pendant ce moment critique de guerre. Il sied de signaler qu’une cliente tiens son enfant.
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.