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Bikamwa Plus Group
In this Group: Serge, Léontine, Kanny, Yvon, Elysée, Futi, Marceline, Pauline*, Marie-Louise, Ndata, Kapinga, Théthé*, Charlotte, Monique, Mani
* not pictured
Serge is the leader of a community bank named “Bikamwa Plus.” The group is composed of 15 small business entrepreneurs united in solidarity to receive loans from Kiva through IMF HOPE RDC with the goal of developing their individual businesses.

Serge is 29 and single. He takes care of his younger brother. Serge runs a cell phone booth and is a money changer. Since 2006, he has been operating his business in the western part of Kinshasa. Serge works hard and makes a weekly profit of about 60 USD. His ambition is to diversify his business by adding beverages and becoming a beverage provider in his area.

Serge decided to join one of HOPE’s groups in 2009 to expand his business. He will use his part of this loan to purchase dozens of prepaid phone cards to resell at profit. Serge has been successful by using good strategies to gain permanent customers.

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
  • 32
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,039,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Bikamwa Plus Group's $3,600 loan helped a member to buy prepaid phone cards.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 10, 2011
Feb 16, 2011
Currency Exchange Loss:
Jul 15, 2011