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Bethleem Plus Group
In this Group: Marcelin, Maguy, Hélène, Marie, André, Coco, Antho, Caleb, Sedar, Pélagie, Zizi, Jacquie, Elenge, Annie, Otis, Nady, Pierre, Agnès, Béatrice, Chantal, Honorine, Arsène, Nicolas, Maurice, Josée
Marcelin has been a small business owner since 2003. He is the leader of the village bank "Bethleem Plus", a group of 25 members who are jointly liable for the loans that lenders worldwide grant them through Kiva and microfinance institution HOPE DRC.

Marcelin's business consists in renting chairs at the central market in Kinshasa. He is a regular client who got seven loans and repaid all his installments on schedule. He will use his next loan to buy more chairs to meet the demand of his customers and increase his working capital. His ambition is to open a henhouse to produce and sell eggs, thus diversifying his business and increasing his income. Marcelin is aged 47, married and the father of three children aged 10 to 15. They all attend school.
View original language description ↓
Marcelin est micro entrepreneur depuis 2003. Il est dirigeant d’une banque communautaire dénommée « Bethleem Plus » composée de 25 membres solidairement unis pour recevoir des crédits des prêteurs du monde à travers Kiva et l’IMF HOPE RDC. Son activité consiste à faire louer des chaises au marché central de Kinshasa. Il est client fidèle qui a reçu 7 fois les prêts de l’IMF HOPE RDC et les a remboursés totalement à temps. Le prochain crédit lui servira d’acheter d’autres chaises à faire louer pour satisfaire le besoin de ses clients et augmenter son capital. Son ambition est d’ouvrir un poulailler en vue produire et vendre des œufs et surtout le souci de diversifier son affaire dans le but d’accroitre le bénéfice. Marcelin est âgé de 47 ans, marié et père de 3 enfants âgés de 10 à 15 ans. Tous vont à 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
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,638,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Bethleem Plus Group's $4,600 loan helped a member to buy chairs to rent.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 8, 2009
Oct 17, 2009
Currency Exchange Loss:
Mar 15, 2010