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Volonte Divine 3 (1) Group
In this Group: Patrick, Narcisse, Rolande, Adolphine
Patrick represents the Volonte Divine 3 (1) group. He is forty, married and has two children aged three and sixteen years old. The older child is currently attending school.

For the last eleven years Patrick has sold large plastic travel bags. His business strategy is to barter with customers to get the best price. He sells the bags one at a time or in bulk, so the price differs according to how many the customer buys.

Patrick has received four previous loans through HOPE Congo, Kiva's partner, and has a good repayment record. He is now applying for a 2,100,000 XAF loan for his group. He will use his fourth of the loan to buy more bags to sell.

Patrick would like to open a big store one day. He hopes his children will finish their education and be able to travel to other countries.

Additional Information

Important Information

About HOPE Congo S.A.: HOPE Congo S.A. is a start-up microfinance institution located in Brazzaville, Republic of the Congo. As of 2009, the Republic of the Congo was the 136th-ranked country in the United Nations Development Programme’s Human Development Index. The average life expectancy is in the low 50s and food insecurity poses a constant threat to ordinary people’s well-being. Through the creation of community banks, HOPE Congo provides credit, savings, and training for entrepreneurs in Brazzaville. With their services, they aim to nourish a culture of saving and an independent community of responsible and self-sustaining entrepreneurs.

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 (Rep.)

  • $6,600
    Average annual income
  • 0
    View loans »
    Congo (Rep.) Loans Fundraising
  • $2,281,600
    Funds lent in using Kiva
  • 508.5
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A portion of Volonte Divine 3 (1) Group's $4,150 loan helped a member to buy more large plastic travel bags to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 13, 2013
Jul 9, 2013
Currency Exchange Loss:
Jan 17, 2014