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Arche De Noé Plus Group
In this Group: Joséphine, Balume, Yvonne, Francky, Marie-Josée, Nephtaline, Jacqueline, Joseph, Marceline, Victoire, Bernard, Albert, Jean-Claude, Alexis, Ombala, Sango, Jacquie, Tutondele, Matthieu, Landu, Mamie, Thomas, Bongongo, Suzanne, Bwanga, André
Joséphine got into the world of micro-enterprise at the age of 13 in 1985. Taught by her mother, she acquired a solid experience in selling fresh fish in Mbandaka in the province of Equateur in the Democratic Republic of the Congo. In 1994, her business had allowed her to accumulate US$ 300 which let her buy a big basket of smoked fish that she sold in Kinshasa.

From 1994 to 2000, thanks to her accumulated profit, she diversified her business by adding the sale of mosquito nets, which were very necessary for people in her area to combat malaria. From 2001 to the present, Joséphine took up the sale of fish, which she is better at. Difficulties in her household in 2006 led to a divorce from her husband and caused a drop in her business.

Joséphine is very much encouraged by the loans she receives from Hope RDC. The loan she has obtained in the month of June allowed her to buy 2 baskets of smoked fish which she is selling in view of increasing the income from her business which generates US$ 30 in profit per week.

Her ambition is to open a little shop and a maize and manioc depot. She has 6 children aged 3-21 of whom only 3 are enrolled in school. Joséphine feels good about her business since she is the breadwinner for her family.
View original language description ↓
Joséphine est entrée dans le monde de micro-entreprise à l’âge de 13 ans en 1985. Initiée par sa mère, elle a acquit une solide expérience dans la vente des poissons frais à Mbandaka dans la province de l’Equateur en République Démocratique du Congo. En 1994, son activité a produit un montant de $300 qui lui ont permis de s’acheter un gros panier des poissons fumés qu’elle a revendu à Kinshasa. De 1994 – 2000, grâce aux bénéfices accumulés, elle a diversifié son affaire en y ajoutant des moustiquaires dont les gens avaient grandement besoin dans son milieu pour combattre la malaria. De 2001 à ce jour, Joséphine a reprit la vente des poissons qu’elle maitrise mieux. Des difficultés rencontrées dans son foyer en 2006 qui ont abouti au divorce avec son mari ont causé la baisse de son affaire. Joséphine est très encouragée par les crédits qu’elle reçoit de Hope RDC. Le prêt obtenu au mois de juin courant lui a servi d’acheter 2 paniers des poissons fumés qu’elle revend dans le but d’accroitre le revenu de son activité qui lui génère $30 de bénéfice par semaine. Son ambition est d’ouvrir une boutique ainsi qu’un dépôt du maїs et du manioc. Elle a 6 enfants âgés de 3 à 21 ans dont trois seulement vont à l’école. Joséphine aime son affaire car elle supporte financièrement son foyer.

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
  • 13
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,396,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Arche De Noé Plus Group's $3,800 loan helped a member purchasing 2 baskets of smoked fish for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 4, 2009
Jun 11, 2009
Currency Exchange Loss:
Nov 15, 2009