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Efficacité Plus Group
In this Group: Horace, Bernadette, Vicky, Bibiche, Jacky, Stephanie, Esther, Esther, Jeanne Marie, Godelive, Françoise, Godelive, Marie, Astride, Thérèse
Horace is the president of the Community Bank “Efficacité Plus” group, which is composed of 15 members united in solidarity to receive loans from Kiva through MFI HOPE RDC with the goal of developing their businesses.

Horace runs a telephone booth to the west of Kinshasa. He began his business in 1998. His beginning capital was US $100. With hard work and determination, his business has prospered. Horace is now well known and liked in this area because of his good service. He is a trustworthy client who has received three loans from MFI HOPE DRC and fully repaid them. The loans he has received have helped him rent a well located business place. He makes US $100 profit each week. Horace intends with the next loan to purchase more prepaid phone cards to meet customers' demand and generate additional profits.

Horace is 38 years old, married, and the father of five children between the ages of 1 and 10, two of whom go to school. His ambition is to open another telephone booth in another area.

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 Efficacité Plus Group's $3,900 loan helped a member to buy more prepaid phone cards to meet customers' demand and generate additional profits.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 28, 2012
Jul 16, 2012
Currency Exchange Loss:
Apr 2, 2013