Aimerance, the customer, is a hard-working saleswoman and a member of the Zamiri business group. An older, dynamic entrepreneur, she is 73 years old, widowed and the mother of 4 children, one of whom attends school and 3 of whom are already married. Aimerance sells food products. She displays her merchandise at home, in her front yard, where she has built up her clientèle. She started her business with funds she received from her husband (when he was alive). Later on, she benefited from a loan from the MFI Hekima. She has been in this line of work for 45 years. This new loan will enable her to buy a bag of potatoes, a bag of cassava flour, tomatoes, 25 dried fish and spices. She would like to build a house, and feed and educate her youngest child. Finally, she would like to strongly thank Hekima for enabling non-bankable female entrepreneurs to be self-sufficient, especially in this critical time after the war in the east of the country.
La cliente Aimerance est une vaillante commerçante et membre du groupe d’affaires « Zamiri », senior entrepreneur, dynamique, âgée de 73 ans, veuve et mère de 4 enfants qui, 1 étudie et 3 autres sont déjà mariés. La cliente est une vendeuse des denrées alimentaires. Elle installe sa marchandise à son domicile devant son enclos, où, elle a su gagner sa clientèle. Elle commença ses affaires avec le premier capital reçu de son mari (lors de son vivant). Plus tard, elle bénéficia le prêt de l’IMF Hekima. Il y a 45 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 1 sac de pomme de terre et 1 sac de farine de manioc, tomates, 25 poissons salés et les épices. Ainsi, elle souhaite construire une maison, scolariser et nourrir son jeune étudiant. En définitif, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout; pendant, ce moment critique post conflit 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.