Nakinja is a client who is a saleswoman with ten years' experience. She is 39 years old and is married with eight children. Six of them attend school and the other two are still small. This client is a member of the business group named Tuliya. She sells secondhand clothes. She sets out her merchandise in the busy town market. She requests a loan from Hekima to expand her business. She hopes to buy one bundle of secondhand clothes. She started her business with money from her salary, as she was a teacher. Her spouse is a stonemason. In the future she hopes to increase her credit, and feed her children and send them to school. She thanks Hekima for their support for non-bankable businesswomen by giving them a micro-credit, especially at this time following the conflict in the eastern region of the country. It should be noted that the client is carrying her baby on her back.
La Cliente Nakinja est une commerçante d’une expérience de 10 ans, âgée de 39 ans, mariée et mère de 8 enfants dont 6 étudient et les 2 autres sont encore gosses. La cliente est membre d’un collectif d’Affaires «Tuliya». Elle est vendeuse de friperie. Elle installe ses marchandises au marché animée de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre son activité. Elle va acheter 1 ballon de friperie. Elle démarra ses affaires avec le fonds reçu de son salaire, comme elle fut enseignante. Son conjoit est un mâcon. Dans l’avenir, elle souhaite accroitre son crédit, scolariser et nourrir ses enfants. Elle remercie Hekima pour son soutien aux femmes entrepreneurs non bancables en leur accordant de microcrédit, pendant, ce moment de post conflits dans la région de l’Est du pays. Il sied de signaler qu’une cliente porte son bébé au dos.
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.