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Lokumu Group
In this Group: Jeanine, Julbert, Germaine, Nélie, Julienne, Josée, Sandra, Nyande, Souzi, Tangu, Bukaka, Ekila, Julienne, Léonie, Béatrice, Pierrette, Dénis, Victorine, Joséphine, Jeeph, Trinité, Fifi, Ntantu, Brigitte, Guylaine, Amba , Tshilema, Nelly, Maguy, Koko, Doudou, Tsasa, Patience, Falonie
Jeanine is 39 years old and the mother of 2 children, aged 21 and 23, who are in school. Jeanine operates a general boutique in Mbinza, the western part of Kinshasa. She sells sugar, rice, milk, soaps, beauty cream, salt, toilet papers, candles, matches, and so on. She has been in business since 2000, and her beginning capital was $200. With determination, good management, and the profit generated from her business, the working capital increased to $500 in 2002.

When the landlord decided to sell the place where Jeanine used to rent, she had to move her business somewhere else, but the business did not make enough profit as it did at the previous location. In 2007, with $600 as working capital, Jeanine decided to change the business. She started selling bananas. She liked that business because it was making $110 of profit per week. She opened a banana store, buying them in Lower Congo province and selling them in Kinshasa. Although the business was profitable, Jeanine’s health was deteriorating due to painful and hard work which caused her to fall sick often. She began suffering from backache and other medical problems. As she had already acquired solid experience in her general boutique, she and her family decided to change the business by re-launching it in January 2008, in a different business area. In September 2008, Jeanine joined one of Hope’s groups called “Lokumu”. With the loan she received from Hope, she bought packaging materials that are needed in the area. Her business makes $210 of profit per month. Currently, her working capital is $1100.

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
  • $12,424,200
    Funds lent in using Kiva
  • 680.0
    Congo/Kinshasa Francs (CDF) = $1 USD

Success!! The loan was 100% repaid

A portion of Lokumu Group's $2,875 loan helped a member to purchase packaging materials that are needed in the area.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 2, 2009
Feb 14, 2009
Currency Exchange Loss:
Jul 15, 2009