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Joyce Plus Group
In this Group: Marceline, Cécile, Germaine, Florence, Thomas, Christine, Mireille, Véronique, Marie, Blandine, Elisabeth, Louise, Marthe, Esther, Marceline, Esther, Jeanne, Joel, Espérance, Tshila, Rachel, Gode, Masuwa, Thérèse, Anne-Marie, Tony, Marie, Matondo, Christine, Ruffin
Marceline Tartine, age 40, is married and the mother of a 15-year-old daughter, who is a student. Marceline lives in a mountainous area to the west of Kinshasa, where she works at her small business selling salted fish. Besides selling fish, she also sells chikwangues (a kind of bread made of cassava flour). Sometimes, her customers eat these foods on site or take them home. Basically, she’s in the midst of starting up a mini-restaurant. Right now, her capital amounts to $72. She started her business in 2000 with $15 of initial capital that had enabled her to buy some charcoal to resell. Her business prospered through 2006.

Marceline’s ill health, caused by a surgery undergone in 2006-2007, prevented her from doing commerce fully. In the second half of 2007 through today, she started back up again by including fresh fish.

She joined one of groups of the micro-finance institution HOPE named “Joyce” in February 2008 with the goal of receiving renewable financial support for developing her business. She received loans from HOPE four times, and she repaid them regularly and completely. In April, she used the loan received to buy some salted fish, and she diversified by including kerosene, as well as vegetable oil, intending to grow her revenues.

Currently, her business generates for her a profit of $33 a week. Her ambition is to buy a freezer with the goal of preserving the fresh staple goods that her customers have often needed.

View original language description ↓
Marceline Tartine a 40 ans, mariée et mère d’une fille de 15 ans qui est élève. Elle habite dans une zone montagneuse à l’ouest de Kinshasa où elle exerce son petit commerce de vente des poissons salés, elle vend aussi à coté de ces poissons les chikwangues (kind of bread made of cassava flour). De fois, ses clients mangent ces aliments sur place ou les amènent chez eux. En bref, Marceline est entrain de commencer un mini restaurant. Son capital actuel est de $72. Elle a commencé son activité en l’an 2000 avec un capital initial de $ 15 qui lui avaient permis d’acheter de la braise à revendre. Son affaire a prospéré jusqu’en 2006. L’affaiblissement de la santé de Marceline causé par l’intervention chirurgicale subie durant la période 2006-2007 ne lui a pas permis d’exercer pleinement ses activités commerciales. En deuxième semestre de 2007 jusqu’aujourd’hui, elle a relancé son affaire en y ajoutant des poissons frais et a intégré un des groupes de l’IMF Hope dénommé « Joyce » en février 2008 dans le but de recevoir un appui financier durable afin de développer son affaire. Marceline a reçu quatre fois les crédits de Hope qu’elle régulièrement et totalement remboursé. Elle a acheté avec le prêt reçu en avril courant des poissons salés et diversifié son affaire en y ajoutant du pétrole ainsi que de l’huile végétale en vue d’accroitre le revenu. Actuellement, son activité lui génère $33 de bénéfice par semaine. Son ambition est d’acheter un congélateur dans le but de conserver les vivres frais dont ses clients ont souvent besoin.

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
  • $12,953,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Joyce Plus Group's $3,300 loan helped a member to buy salted fish and to diversify her business with kerosene and vegetable oil for increasing her income.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 14, 2009
Apr 20, 2009
Currency Exchange Loss:
Sep 15, 2009