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Efficacité Plus Group
In this Group: Horace, Jeanne, Bernice, Bernadette, Nadine, Hortance, Pilchérie, Marie, Marc, Vicky, Bibiche, Wekola, Jacky, Willy, Elia, Stéphanie, Sylvie, Esther, Jason, Hélène, Claudine, Lucie
Horace is the leader of a Community bank named “Efficacité Plus”, which is composed of 22 micro-entrepreneurs united in solidarity to receive loans from Kiva through IMF HOPE RDC, with the goal of developing their businesses.

Horace, 35 and married, sells prepaid cards. He has been in business since 1997. With hard work and good management, he has been able to stabilize his business by delivering prepaid cards in order to increase his working capital. He makes a profit of about $20 daily. Horace’s ambition is to become a prepaid cards provider in his area. As he wants to develop his business, he has decided to join one of Hope’s groups. He is planning with the next loan to purchase dozens of prepaid cards and resell them at a profit. Horace has five children whose ages vary between 9 months and 9 years old. Two of them attend school.

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
  • 3
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,396,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Efficacité Plus Group's $3,500 loan helped a member to purchase dozens of prepaid cards to resell in order to increase his working capital.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 12, 2011
Sep 22, 2011
Currency Exchange Loss:
Feb 15, 2012