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Joyeux Luttins Plus Group
In this Group: Héritier, Kilolo, Matunta, Alphonsine, Hélène, Julie, Betty, Antho, John, Pélagie, Sompa, Jacques, Tyty*, Pierre, Perside*, Annie
* not pictured
Héritier Z., aged 22 and single, is the president of the Community Bank “Joyeux Luttins Plus”, which is composed of 16 members united in solidarity to receive loans from Kiva through MFI HOPE RDC with the goal of developing their businesses.

Héritier runs a cellphone booth and is a money changer. He has been in business since 2009. He manages his cellphone booth in his area located east of the city of Kinshasa. He is a loyal client of IMF HOPE RDC who has already received five different loans and has repaid them properly. He intends to use the next loan to buy prepaid cards to resell with the aim of increasing his profits. Each week, his business brings in a profit of US$ 25. His dream is to open a general store and purchase a plot of land.

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
  • 12
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,397,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Joyeux Luttins Plus Group's $3,650 loan helped a member to reinforce his working capital.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 12, 2010
Aug 19, 2010
Currency Exchange Loss:
Jan 15, 2011