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Gradi Plus Group
In this Group: Alphonsine, Jacquie, Germaine, Eugénie, Valentine, Véronique, Aimée, Laurence, Albertine, Odile, Faustin*, Dieumerci
* not pictured
Gradi Plus is a Community Bank made up of twelve micro-entrepreneurs whose chairwoman is Alphonsine. These members are united for the same goal: to grow their businesses with loans received from Kiva through IMF HOPE RDC.

Alphonsine runs a restaurant in the mid-western area of Kinshasa. She is 40 years old, married, and the mother of four children who are between the ages of 7 and 20. All of them attend school.

She started her restaurant in 2008 with a beginning capital of US$80. With hard work and good management, and by providing good customer service, Alphonsine’s business has prospered and has permanent customers to keep it up. She has already received and successfully repaid eight loans from the MFI HOPE DRC. Her business generates $180 of profit per week.

Alphonsine is planning with the new loan to diversify her business by adding beverages to generate additional profits. Her ambition is to someday become a beverage provider in her environment.

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
  • 10
    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 Gradi Plus Group's $3,500 loan helped a member to diversify her business by adding beverages to generate additional profits.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 20, 2012
May 2, 2012
Currency Exchange Loss:
Apr 2, 2013