The borrower, Zihalirwa, has been involved in retail for two years and she is a member of the "Mama Inuka" business group. She is a 40-year-old entrepreneur, married, and the mother of seven children. Six of her children are in school. The seventh is still very young.
Zihalirwa sells shoes. She sets up her merchandise at her town's central market. She is taking a loan from Hekima to increase her business, and is planning to buy 90 pairs of shoes. Her husband is also involved in retail.
In the future, she would like to buy a piece of land and be able to feed, clothe and educate her children. She thanks Hekima for focusing its support on women entrepreneurs excluded from the traditional banking system, and for granting them loans without any material collateral (particularly during this post-conflict period in the eastern part of the country). It should be noted that one of the borrowers in the photo is carrying her baby.
La cliente Zihalirwa est une commerçante depuis 2 ans et membre d’un collectif d’affaires «Mama Inuka», entrepreneur, âgée de 40 ans, mariée et mère de 7 enfants, dont 6 étudient et 1 encore gamin. Elle est vendeuse souliers. Elle étale son business dans le marché central de la ville. Elle sollicite un prêt auprès de Hekima pour accroitre ses activités. Elle va acheter 90 paires de souliers. Son conjoint, lui aussi est commerçant. Elle débuta avec de fonds reçu de son mari. Dans l’avenir, elle souhaite acheter une parcelle scolariser, vêtir et nourrir ses enfants. Elle remercie Hekima pour avoir bien choisi sa cible, en apportant un soutien aux femmes entrepreneurs exclues du système bancaire classique, tout en leur accordant des crédits sans garantie matérielle, surtout, pendant, la période post conflits dans la région de l’Est Pays.Il sied de signaler qu’une cliente porte son bébé.
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.