Mapendo, the customer, is an advisor to the "Utulivu" business group. She is a senior entrepreneur with a lot of experience, a dynamic 47-year-old woman who is a widow and the mother of 7 children who all attend school. She sells grocery products. She displays her merchandise in an agricultural warehouse. She started her business with the help of her husband, when he was alive. Later, she benefited from loans from the MFI Hekima. She has been in this line of work for 25 years. This new loan will be used to buy 5 bags of soja beans, 8 bags of maize, 4 bags of groundnuts and 8 bags of rice. She would like to expand her business and build a house for her children. The insecurity in the areas where she gets her supplies presents a challenge to the development of her business. Finally, she would like to strongly thank Hekima for enabling non-bancable women entrepreneurs to be self-sufficient, especially during this critical time of war in the east of the country.
La cliente Mapendo est une conseillère de l’association d’affaire « Utulivu », senior entrepreneur expérimentée, dynamique, âgée de 47 ans, veuve et mère de 7 enfants qui étudient tous. La cliente est une vendeuse de denrées alimentaires. Elle installe ses marchandises dans un entrepôt agricole. Elle commença ses affaires avec l’assistance de son mari(alors de son vivant). Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 25 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 5 sacs de Soja, 8 sacs de Maïs, 4 sacs d’arachides, 8 sacs de riz. Ainsi, elle souhaite étendre son projet de commerce et construire une maison pour ses enfants. L’insécurité dans les sites d’approvisionnement est un défi pour l’avancement de ses affaires. 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.