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Juhudi Baco Group
In this Group: Justin , Anto, Isabel, Liliane, Fifi, Fani, Elisabeth, Bandeja, Pierre
Justin is the chairman of the Community Bank named “Juhudi BaCo” which is composed of nine members united in solidarity for receiving Kiva loans with the goal of developing their businesses.

Justin, 36, became a micro-entrepreneur in 2005. He manages his own general store in the North of the city of Lubumbashi which is located to the South-east of the DRCongo. Justin works hard with good management skills in order to realize his dream of one day opening a bakery in his area. His business generates a profit of US$150 per week.

Justin is a trustworthy client of the MFI HOPE RDC, having twelve times received and correctly repaid loans. He will increase his stock of merchandise with his next loan by purchasing, soap, vegetable oil, sacks of rice, etc... and reselling them at a profit. Justin is married and the father of a son who is seven months old. He likes being HOPE’s client.

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
  • 18
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,441,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Juhudi Baco Group's $6,000 loan helped a member to increase his store’s stock by buying soap, vegetable oil, sacks of rice, etc... to resell at profit.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 30, 2012
Currency Exchange Loss:
Apr 2, 2013