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Semeurs Victorieux Plus Group
In this Group: Joséphine, Fabienne, Régine, Jean-Claude, Luyindula, Nestor, Sefu , Mbamba , Matiti, Charlotte, Manzeke, Rose, Cathérine, Coco, Marie-Josée, Suzanne, Pauline, Evélyne, Songi, Muetaba, Lisongo, Angel, Fifi, Françoise, Gétou, Yvette, Elindo, Abisine, Emilienne
Joséphine K. is the leader of a group named “Semeurs Victorieux Plus”, which is composed of 29 members. She sells second-hand clothing at the market in her district located east of the city of Kinshasa. After having begun this business in 1980, she acquired solid experience in managing and marketing, which constitute effective tools for advancing it.

She is a very loyal client who benefited from eight loans from the micro-finance institution HOPE RDC, and she repaid them properly. The next loan will enable her to diversify her business by purchasing fresh fish to resell with the goal of growing her capital. Currently, her business generates $50 a week in profits. She dreams of opening a clothing store.

Joséphine is 46 years old, married, and the mother of two children, who are in school. They are 18 and 22 years of age.
View original language description ↓
Joséphine K. est dirigeante du groupe dénommé « Semeurs Victorieux Plus » composé de 29 membres. Elle vend de la friperie au marché de son quartier situé à l’est de la ville de Kinshasa. Après avoir commencé cette activité en 1980, elle a acquit une expérience solide en gestion et en marketing qui constituent des outils efficaces pour l’avancement de celle-ci. Elle est cliente très fidèle qui a bénéficié 8 fois les crédits de l’IMF HOPE RDC et les a remboursés correctement. Le prochain prêt lui permettra de diversifier son activité en achetant des poissons frais à revendre dans le but d’accroitre son capital. Actuellement, l’affaire lui génère $50 de bénéfice par semaine. Joséphine rêve d’ouvrir un magasin d’habillement. Agée de 46 ans, elle est mariée et mère de 2 enfants scolarisés, âgés de 18 et de 22 ans.

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
  • 17
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,424,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Semeurs Victorieux Plus Group's $4,350 loan helped a member to buy clothing and to diversify her business with fish.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 8, 2009
Oct 20, 2009
Currency Exchange Loss:
Mar 15, 2010