Déborah B.'s main commercial activity is a shop that she manages herself. She began her business in 2002 selling purified water. Despite the difficulties she encountered, her courage and determination to realize her dream of opening a shop selling sweet drinks motivated her to persevere by joining a Hope RDC group named "Néhémie" to benefit from loans. Her shop has prospered thanks to the reinvestment of her profits and her good management. She has obtained three loans, which strengthened her business and which she repaid completely on time. With the next loan, she will buy bags of sugar, milk, and other items to boost her stock and resell with the aim of increasing her income. Her shop is located on a mountain to the east of Kinshasa. Déborah is married, 45 years old, and has 6 children whose ages vary from 12 to 19. Five of her children are in secondary school.
Déborah B. a comme activité commerciale, une boutique qu’elle gère elle-même. Elle a débuté son affaire en 2002 en vendant de l’eau pure. Malgré les difficultés rencontrées, son courage et sa détermination de réaliser son ambition d’ouvrir un dépôt des boissons sucrées l’ont motivée à persévérer en se joignant dans un groupe de Hope RDC dénommé « Néhémie » pour bénéficier des crédits. Sa boutique a prospéré grâce aux bénéfices accumulés réinvestis et une bonne gestion. Elle a obtenu trois fois les prêts qui l’ont renforcée et qu’elle a remboursés totalement à temps. Elle achètera avec le prochain crédit des sacs du sucre, du lait et autres articles pour renforcer le stock et revendre en vue d’accroitre le revenu. Sa boutique se situe sur une montagne à l’est de Kinshasa. Déborah est mariée, âgée de 45 ans et mère de 6 enfants dont leurs âges varient entre 12 et 19 ans. Cinq d’entre eux sont à l’école secondaire.
About HOPE DRC
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.