The customer, Kalivanda, has been a seamstress for the past 12 years, and she is also secretary and member of the Faida business group. She is 36 years old, a widow and mother to four children, who are all studying. She takes care of knitting and is a member/shareholder of a workshop which is in her home. She is requesting a loan from Hekima to expand her business, and this new loan will be used to buy new materials: fabrics, yarns, knitting machine etc. She began her business with capital her husband gave her when he was alive. In the future she would like to build a workshop to initiate a business in, and also to educate and feed her children. She thanks Hekima for its support to female entrepreneurs by granting them loans without any material guarantee.
La Cliente Kalivanda est une Couturière depuis 12 ans, secrétaire et membre d’un groupe d’Affaires «Faida» âgée de 36 ans, veuve et mère de 4 enfants qui tous étudient. Elle s’occupe du tricotage et sociétaire d’un atelier, chez elle a don domicile. Elle sollicite un prêt auprès de Hekima pour accroitre son entreprise. Ce nouveau prêt va la servir pour acheter des nouveaux matériels: Tissus, ficelles, machine de tricotage etc. Elle démarra avec de fonds reçu de son mari lors de son vivant. Dans l’avenir, elle souhaite construire un atelier pour initier, scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs en leur accordant de crédit sans garantie matérielle.
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.