Charlotte is the president of the Dynamique loan group. She is 38 years old, divorced and mother to four children who all attend school.
Charlotte is a courageous, experienced entrepreneur who sells shoes. She sells the shoes at the public market and, sometimes, from her home. She started her business seven years ago, with her own capital which she earned from the sale of produce from her fields. She later set up in the town and took a loan from the field partner Hekima. This new loan will be used to buy 35 pairs of shoes. With her earnings, Charlotte will pay her children's school expenses, expand her business activities and buy a house for her children.
Theft, non-payment of debts and exchange rate losses are all big challenges to the development of her business.
Charlotte is very grateful to Hekima for helping non-bankable, women entrepreneurs become autonomous, especially in this critical time of war in the east of the country.
La cliente Charlotte est une présidente de l’association de crédit « Dynamique », entrepreneur expérimentée, courageuse, âgée de 38 ans, divorcée et mère de 4 enfants qui étudient tous. La cliente est une vendeuse des souliers. Elle installe ses articles au marché public, parfois à son domicile. Elle commença ses affaires avec son fonds propre issu des récoltes de son champs, avant qu’elle s’installe dans la ville. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 7 ans qu’elle exerce cette activité. Ce nouveau prêt va lui servir d’acheter 35 paires de souliers. Ainsi, elle souhaite scolariser ses enfants, étendre son projet de commerce et acheter une maison pour ses enfants. Les vols, les impayés, les pertes de change sont de défis pour le développement de son activité. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout ; pendant ce moment critique de guerre à l’Est du pays.
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.