Inspiration Group
Status: Paid Back
| $2,425.00 | Loan Request | |
|---|---|---|
| $2,425.00 | Paid Back |
About the Group
| Group Name: | Inspiration Group |
|---|---|
| Group Members: |
Israel Kangossa Epiphanie Sindani Richard Ngassa Bibiche Mujinga Valerie Mufuba Gina Tshella Marie Bunzianga Mado Kaja Antho Muanga Olga Nzongo Esther Kani Lucy Meza Nadine Buelesi Lucy Mukelenge Zizi Senga Christine Makiese Didier Kobata Rita Nsimba Marie Kumbu Jose Mayimona Betty Demeris Chantal Mawowa Mpia Bena Ange Ngosiele Monique Ejiba Pauline Luvuma Therese Museke Emma Tshibuyi Alpho Matenda Noel Mitumba Lyly Ngadi Marie Kabala Bernadette Soki Mireille Ngengo Nicolas Ndobo Lusiya Navata Aisha Abibi Kusanua Vida Claudine Butela bernadette Misenga |
| Location: | Kinshasa, The Democratic Republic of the Congo |
| Activity: | Used Clothing |
About the Loan
| Loan Amount: | $2,425.00 |
|---|---|
| Loan Use: | To rent a building and move his business indoors. |
| Repayment Term: | 7 months - View details below |
| Lenders Repaid: | Monthly |
| Currency Exchange Loss: | Covered  |
| Date Listed: | Nov 22, 2008 |
| Date Disbursed: | Nov 4, 2008 |
| Date Funded: | Nov 22, 2008 |
| Loan Ended: | Apr 15, 2009 |
About the Field Partner
About the Field Partner
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| Field Partner: | HOPE DRC, a partner of HOPE International |
|---|---|
| Field Partner Risk Rating: | |
| Fundraising Status: | Pilot |
| Time On Kiva: | 33 months |
| Kiva Entrepreneurs: | 4248 |
| Total Loans: | $536,500 |
| Delinquency Rate: | 0.00% |
| Default Rate: | 0.00% |
| Currency Exchange Loss Rate: | 0.00% |
| More on this field partner >> | |
About the Country
| Country: | The Democratic Republic of the Congo |
|---|---|
| Avg Annual Income: | $119.00 |
| Currency: | Congo/Kinshasa Francs (CDF) |
| Exchange Rate: | 575.5500 CDF = 1 USD |
Emma Tshibuyi is 44 years old and married with four children, who are between the ages of 2 and 15. Emma also takes care of a 26 year old girl named Pamela.
Emma started his first business selling beverages and cartons of eggs in January 1998. He worked very hard and his business prospered. However, in 2006 thieves broke into his business and took all of his money and goods. He lost approximately $770 as a result of the theft. Due to this traumatic event, Emma closed his business. He and his family went through a hard time as he had neither a job nor anything with which to support his family financially. His life and future became dark.
Emma’s sister Dethy Tshama then gave him $300 as a donation and in 2007 Emma bought a stall and started a new business selling second-hand clothing. He likes this business because it's profitable and helped him stabilize his family economically. Emma sells in a heavily populated area of Eastern Kinshasa. He is now able to provide food and housing for his family, and pay the electricity and water bills and school fees for his children.
This past November, Emma joined a Hope DRC group called Inspiration with 40 members. Emma is very glad to have joined because he wants to enhance his business with a loan. With this loan, he plans to rent a building and move his business indoors in order to avoid the heavy rains during the rainy season. He says that a loan from Hope DRC is his “saviour.”
About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more
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Journal entries for Inspiration Group
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Loan has been disbursed
Location: Kinshasa, The Democratic Republic of the Congo
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Posted by
from Kinshasa, The Democratic Republic of the Congo
Nov 23, 2008 |
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Comments (4)
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Emma’s business evolution from November 2008 through today
Location: Kinshasa, The Democratic Republic of the Congo
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Posted by
Robert Kalala from Kinshasa, The Democratic Republic of the Congo
Feb 13, 2009 |
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Comments (4)
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Repayment Schedule for Inspiration Group
Repayment Schedule for Inspiration Group
| Expected Repayments | Actual Repayments | Comments | |||
|---|---|---|---|---|---|
| January 2009 | $303.12 | $312.58 |  Repayment Received
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| February 2009 | $757.80 | $748.34 | Repayment Received
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| March 2009 | $606.24 | $606.24 | Repayment Received
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| April 2009 | $606.24 | $611.48 | Repayment Received
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| May 2009 | $151.60 | $146.36 | Repayment Received
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