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Joie Plus Group
In this Group: Jp, Felly, Honoré, Julienne, Martine, Florence, Constant, Mukeba, Mulamba, Thethe, Henri, Marcel, Boketshou, Linda, Malulu
JP, age 46, is the chairman of the community bank named "Joie Plus", which consists of 15 members united in solidarity to receive loans from Kiva through the microfinance institution, HOPE DRC, with the goal of developing their businesses.

JP has been in the microenterprise world since 2001. He has been selling drinks. His drink facility is located west of the city of Kinshasa. He is a loyal client of HOPE DRC, who has already received nine different loans and has repaid them properly. He intends to use the next loan to diversify his business by buying some juice drinks with the aim of increasing his profits. Each week, his business brings in a profit of $60. His ambition is to open a larger drink facility in his area. JP is married and the father of four children aged between 4 and 15 years old. Three 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
  • 4
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,396,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Joie Plus Group's $4,575 loan helped a member to diversify his business by buying dozens of juice drinks with the aim of increasing his profits.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 18, 2012
May 1, 2012
Currency Exchange Loss:
Sep 15, 2012