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Ephraim Plus Group
In this Group: Henriette, Lyliane, Marie, Jacquie, Régine, Tshala, Annie, Futu, Laurentine, Fély, Emilie, Antoinnette, Siska, Anto, Dona, Marcéline, Marcéline, Micheline, Lolo, Serge, Séraphine, Bebe, Augustine, Meneyame
Henriette B. is a seller of beans, spices, and various other goods in front of her house in the northern and most populated area of Kinshasa. Her know-how and the right management practices are behind the prosperity of her business, which she started with a sack of peanuts as initial capital. Today, she is a loyal member of a Hope RDC group named "Ephraïm Plus". She intends to develop her business with the loans received from Hope RDC. The next loan will enable her to buy goods for bolstering her inventory.
Currently her business generated a profit of $50 a week. Her dream is to buy a parcel of land for her children.
Henriette is 49 years old, married, and the mother of six children. Three of them attend school.
View original language description ↓
Henriette B. est vendeuse des haricots, épices, et divers devant sa maison dans la partie nordique et la plus peuplée de Kinshasa. Son savoir faire et la bonne gestion ont fait prospérer son activité commencée avec un sac d’arachides comme capital initial. Aujourd’hui, Henriette est membre fidèle d’un des groupes de Hope RDC dénommé « Ephraïm Plus ». Elle compte développer son affaire avec les prêts reçus de Hope RDC. Le prochain crédit lui permettra d’acheter des articles pour renforcer le stock. Actuellement, son activité lui génère un bénéfice de $50 par semaine. Son rêve est d’acheter une parcelle pour ses enfants. Henriette a 49 ans, mariée et mère de 6 enfants dont trois entre eux fréquentent l’école.

Additional Information


HOPE International has been providing small business loans and savings services to thousands of entrepreneurs in DRC since 2004. HOPE DRC targets small business owners who can use loans to increase their inventories or invest in assets that have the potential to increase their incomes. Funds from Kiva lenders play a major role in expanding access to affordable, flexible capital for micro-entrepreneurs, 80% of whom are women.

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.

About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 22
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,044,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ephraim Plus Group's $3,525 loan helped a member to buy items for bolstering her stock of merchandise.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 9, 2009
Jul 17, 2009
Currency Exchange Loss:
Dec 15, 2009