Bahati sells second-hand clothes. She sells her goods at a busy location and occasionally from home. She began her business with a loan from the Hekima microfinance institution and has been running this business for seven years.
This new loan will help her buy one bale of clothing. In this way, she hopes to send her children to school, expand her trading business and buy a plot of land.
Sales on credit and exchange losses are some of the challenges affecting the development of her business.
Finally, she would like to thank Hekima for promoting the independence of women entrepreneurs who cannot access the banking system, especially at this critical moment when war has broken out in the east of the country.
Important InformationHEKIMA 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.
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About Congo (Dem. Rep.)
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Success!! The loan was 100% repaid