Mwengesyali, the customer, is an advisor to the "Patience" business group. A young, experienced and dynamic entrepreneur, she is 33 years old and the mother of 7 children who all attend school. He spouse is a retailer of various products. She sells shoes and displays her merchandise at the public market. She started her business with help from her husband and later benefited from loans from the MFI Hekima. She has been in this line of work for 6 years. This new loan will enable her to buy 5 bales of shoes. She would like to expand her business and build a house for her children. The insecurity in the region is a challenge to the progress of her business. Finally, she would like to strongly thank Hekima for helping to make non-bankable women entrepreneurs self-sufficient, especially in this critical time of war in the east of the country.
La cliente Mwengesyali est une conseillère de l’association d’affaire « Patience», jeune entrepreneur expérimentée, dynamique, âgée de 33 ans et mère de 7 enfants qui étudient tous. Son conjoint est commerçant de divers. La cliente est une vendeuse de souliers. Elle installe ses marchandises au marché public. Elle commença ses affaires avec l’assistance de son mari. Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 6 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 5 ballons de souliers. Ainsi, elle souhaite étendre son projet de commerce et construire une maison pour ses enfants. L’insécurité dans la province 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.