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Joie Plus Group
In this Group: Guy, Michael, Alphonsine, Clémence, Angel, Béatrice, Tyty, Kiankisi, Mwamba, Milady, Alex, Irène, Epiphanne, Christine, My Clear, Mamy, Désiré, Agnès, Bijoux, Nzali, Laeticia, Bibiche, Ifoma, Odile, Dénise, Zinga, Ndombele, Christine
Guy is the leader of a community bank named “Joie Plus”, which means joy in English. This group is composed of 28 micro-entrepreneurs united in solidarity to receive loans from Kiva through IMF HOPE RDC with the goal of developing their businesses.

Guy is 34 years old and is the father of three children, aged between 9 months and 11 years old. Two of them attend school. Guy runs a cyber café and also sells Forever products. He has been a micro-entrepreneur since 2000. He is working hard because his ambition is to become a Forever product provider in his area. The loan he’ll obtain next will be used to buy a larger quantity of Forever products to resell with the aim of increasing his profits.

As he wants to develop and diversify his business, Guy then decided to join one of Hope’s groups. He makes a profit of about US$150 per week. Guy has succeeded with good strategies to build up permanent customers. He always talks with his customers, he knows them well by their names, and he never runs out of stock.

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
  • $11,618,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Joie Plus Group's $5,600 loan helped a member buy Forever products to resell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jun 7, 2012
Jun 11, 2012
Currency Exchange Loss:
Dec 15, 2012