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Joyeux Lutins Plus Group
In this Group: Benita, Olga, Kilolo, Matunta, Alphonsine, Hélène, Julie, Betty, Antho, Héritier, Jeanne, Lady, John, Nelly, Pelagie*, Sompa, Josée, Alphonse, Ntumba*, Bosco, Baron, Jacques, Manoka*, Suzanne, Tyty, Pierre, Emilie*, Perside, Annie
* not pictured
Bénita M., aged 46, is the manager of the Community Bank named “Joyeux Lutins Plus”. It is composed of twenty-nine members united in solidarity for receiving Kiva loans with the goal of developing their businesses.

Bénita has been a part of the micro-enterprise world for years. She sells salted and smoked fish, palm oil and doughnuts. Her business is located to the east of Kinshasa.

Bénita has already received two loans from the micro-finance institute HOPE DRC and has repaid them correctly. The loan she’ll obtain this time will be used to buy more goods to sell retail with the goal of increasing her profits. Her business generates a profit of $102 per week.

Bénita is divorced and the mother of four children whose ages range between 9 and 20. All four of them go to school.

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
  • 6
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,515,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Joyeux Lutins Plus Group's $4,900 loan helped a member to buy more goods to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 25, 2010
Apr 8, 2010
Currency Exchange Loss:
Aug 15, 2010