This client, Kabuo, is a merchant with twenty years of experience. She is 59 years old and a mother of eight children, all students. She is a member of a business association "Guérison". Her husband is a water vendor in the outskirts of the city (Borne Fontaine). Kabuo is a vendor of meat/cattle (butcher). She started her business with funds from her husband and is requesting a loan from Hekima to increase her business. She is going to purchase 2 quarters of meat. For the future, Kabuo would like to build her own house, provide education to her children, and feed them.
She thanks Hekima for its support of unbanked women entrepreneurs by according them loans during this time of conflict in the country's east.
La Cliente Kabuo est une commerçante d’une expérience de 20 ans, âgée de 59 ans et mère de 8 enfants qui tous, étudient. Elle est membre d’une Association d’Affaires « Guérison ». Elle est vendeuse de viande/vache (Boucherie). Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 2 quartiers de viande. Son conjoint est vendeur d’eau dans les périphéries de la ville (Borne fontaine). Elle démarra ses affaires avec le fonds reçu de son mari. Dans l’avenir, elle souhaite construire sa maison, scolariser et nourrir tous ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables, en leur accordant de crédit pendant, ce moment de conflits dans la région de 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.