Tatine is a merchant and a member of the Dunda Mu Yesu business group. She is an entrepreneur, 32 years old, married, and a mother of five children, of whom two study and the other three are still toddlers.
Tatine has been selling different types of construction materials for five years. She displays her goods in a warehouse in a busy party of town. She started her business with funds from her husband, who is a technician and carpenter.
This new loan will serve to buy 30 sacs of cement, 150 sacs of lime, varnish, etc.
Tatine wishes to increase her capital, and feed, clothe, and educate her children.
Finally, she strongly thanks Hekima for their support to female entrepreneurs who lack access to financial services, especially during this critical post-conflict time in the eastern part of the country.
To note: some members are holding their children in the photo.
La cliente Tatine est une commerçante et membre d’un collectif d’affaires « Dunda mu Yesu », entrepreneur âgée de 32 ans, mariée et mère de 5 enfants dont 2 étudient et 3 autres sont encore gamins. La cliente est une vendeuse des divers matériaux de construction. Elle étale sa marchandise dans un dépôt du quartier animé de la ville. Elle commença ses business avec de fonds reçu de son mari. Son conjoint est un technicien charpentier. Il y a 5 ans qu’elle exerce cette activité. Ce nouveau prêt va la servir d’acheter 30 sacs de ciment, 150 sacs de chaux, vernis etc. Ainsi, elle souhaite accroitre son capital, scolariser, vêtir, et nourrir ses enfants. Au finish, elle remercie fortement Hekima pour l’autonomisation des femmes entrepreneurs non bancables, surtout; pendant ce moment critique post conflits à l’Est du pays. Il sied de signaler que certaines clientes portent leur bébés.
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.