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Kimya Plus Group
In this Group: Erméline, Massamba, Anne-Marie, Vana, Elysée, Anne, Nlombi, Pascaline, Ndondi, Hélène, Chantal, Marie-Rose, Marie-Louise, Lukaya, Ntambwe*, Patrick, Mayanda, Lembwasa, Mokili, Mujinga, Mayidika*, Aimé, Audrey, Marie-Thérèse, Adrienne, Anne, Lutetu*, Tshiela, Clémentine, Chantal, Wumba, Biembe, Loba
* not pictured
Erméline N. is the leader of a community bank (borrower's group) named "Kimya Plus" which means "Silence" in English. It is composed of 33 members united in solidarity for receiving loans with the goal of developing their businesses. 62 years old, Erméline is a widow and the mother of ten children, whose ages vary between 22 and 43 years old. Only one of her children attends college.

Erméline has been part of the micro-enterprise world since 1971. She runs a general store to the Southwest of Kinshasa in the Democratic Republic of the Congo. She has acquired solid experience in this area and works hard with good management skills in order to realize her dream of one day opening a larges store.

She would also like to achieve financial independence through her business that now earns her $480 per month. She works to the best of her abilities and uses her contacts so that she might achieve her goals. Erméline is a trustworthy client of HOPE RDC, a Kiva partner microfinance institution, and has thirteen times obtained and correctly repaid loans.

With this loan, Erméline plans to increase her stock of merchandise by buying cans of food, sacks of rice and sugar and milk and reselling them at a profit.

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
  • 6
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,635,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Kimya Plus Group's $3,975 loan helped a member to buy cans of food, sacks of rice and sugar, and milk.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 26, 2010
Jan 29, 2010
Currency Exchange Loss:
Jun 15, 2010