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Hekima Baco Group
In this Group: Bijoux, Jean, Bilonda, Tshibangu, Manyonga, Ilunga, Musadi, Kyobola, Yandjibu, Kadiobo
Bijoux, age 42 and married, was elected as the president of the community bank named “Hekima BACO”. This group consists of 19 members united in solidarity to receive loans from Kiva through IMF HOPE RDC with the goal of developing their businesses.

Bijoux sells agricultural inputs at the market located southwest of Lubumbashi. He started his business in 1996. Bijoux is happy right now, as he is going to be able to to increase his stock of goods by buying more agricultural inputs with this loan. He will have a greater range of stock and be able to meet his customers' demands. He makes a profit of US $50 per week. With the money he earns, he hopes to provide financial support for his family. His dream is to someday start a farm. Bijoux is the father of six children between the ages of 5 and 11 years old. Four of them go to 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
  • 32
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,039,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Hekima Baco Group's $6,000 loan helped a member to increase his stock of goods by buying more agricultural inputs to resell at profit.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Oct 5, 2012
Currency Exchange Loss:
Mar 8, 2013