Kadwidwi is a client who has five years' experience as a saleswoman and is a member of the Toka Chini group. She is 28 years old and has six children. Four of them go to school, the other two are too small. She sells tomatoes. She sets out her merchandise in front of her home on an avenue in the town. She requests a loan from Hekima to enlarge her business. She will purchase one basket of tomatoes. She started her business with funds that her husband gave to her. Her husband is a carpenter. She hopes to enlarge her capital, send her children to school and ensure their well-being. She thanks Hekima for their support for businesswomen by offering them micro-credit without material guarantee when they are excluded from the classic banking system, especially at this time following the unrest in the eastern part of the country.
La Cliente Kadwidwi est une commerçante d’une expérience 5 ans et membre d’un groupe d’Affaires «Toka Chini» âgée de 28 ans et mère de 6 enfants dont 4 étudient et 2 sont gosses. Elle est vendeuse de la tomate. Elle étale ses marchandises à domicile dans une avenue de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre son entreprise. Elle va acheter 1panier de tomates. Elle démarra avec de fonds reçu de son mari. Son conjoint est un menuisier. Elle souhaite accroitre son capital, scolariser et assurer les mieux êtres de ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs en leur donnant de microcrédit sans garantie matérielle et qui sont exclues du système bancaire classique, surtout, dans la période post conflits 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.