Maliro is an honest tradeswoman. She is energetic and has been running a business for eight years. She is aged 35, married, and mother of three children all of whom go to school. She is the president and a member of the Rafiki business group. She sells fruit in a vehicle park on the edge of the town. She requests a loan from Hekima to expand her business. She would like to buy four bunches of plantain bananas and three baskets of avocados, etc. She started her business with money that was given to her by her husband. Her husband is a chalk professional (teacher). In the future she hopes to feed her children and send them to school. She thanks Hekima for their support by offering loans to women in business that are not bankable, especially during this time of post-conflict in the Eastern region of the country.
La Cliente Maliro est une brave commerçante, dynamique, entrepreneur depuis 8 ans, présidente et membre d’une Association d’Affaires «Rafiki», âgée de 35 ans, mariée et mère de 3 enfants, qui tous étudient. Elle est vendeuse des fruits dans un parking de vehicules à la sortie de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 4 régimes bananes plantains et 3 paniers d’avocats, etc. Elle démarra ses affaires avec le fonds reçu de son mari. Son conjoint est un professionnel de la craie(Enseignant). Dans l’avenir, elle souhaite scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables, en leur accordant de crédit, pendant, cette période post 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.