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Efficacité Plus Group
In this Group: Alain, Mamie, Micheline, Beya, Miami, Bébé, Arsène, Jean, Albertine, Thérèse, Gaston, Louise, Aimérance, Fils, Hélène
Alain is a leader of the community bank named “Efficacité Plus,” which is composed of 15 microentrepreneurs united in solidarity to obtain loans from Kiva through the MFI HOPE DRC with the goal of developing their businesses.

Alain, 30 years old, single and taking care of his younger brother, is a bread provider in his area located in the northern and most populated area of Kinshasa. In business since 2001, he makes about $35 per week through his sales. His plans are to use the next loan to diversify his business by adding a telephone booth in order to increase his income. He is a trustworthy client of the MFI Hope DRC, having received and fully repaid seven loans. He dreams of one day opening a bread facility to provide his area with loaves of bread.

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
  • 15
    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 Efficacité Plus Group's $4,375 loan helped a member to purchase a small generator in order to increase the ouput.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 6, 2010
Dec 14, 2010
Currency Exchange Loss:
May 15, 2011