A loan of $3,300 helped a member to buy salted fish and to diversify her business with kerosene and vegetable oil for increasing her income.


Joyce Plus Group's story

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.

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

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Translated from French by Kiva volunteer Daniel Kuey



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