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Joyeux Lutins Plus Group
In this Group: Jacques, Kilolo, Matunta, Alphonsine, Hélène, Betty, Antho, Héritier, Lady, John, Zimasungula, Alphonse, Reagan, Pierre, Perside, Annie
Jacques is the leader of the community bank “Joyeux Lutins Plus” which is composed of 16 members united in solidarity for receiving Kiva loans with the goal of developing their businesses.

Jacques, 43, is married and has been part of the micro-enterprise world since 2008. He operates a general store to the west of Kinshasa. He has acquired solid experience in this area and works hard with good management skills in order to realize his dream of one day opening two large stores in Kinshasa. He would also like to achieve financial independence through his business, which currently earns him $180 per week. He works to the best of his abilities and uses his contacts so that he might achieve his goals.

Jacques is a trustworthy client of MFI HOPE RDC, having three times obtained and correctly repaid loans. He will increase his stock of merchandise with his next loan, buying cans, sacks of sugar and milk to resell for a profit. Jacques has four children aged 2 to 14, three of whom attend 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
  • 9
    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 $4,750 loan helped a member to purchase sacks of rice, sugar and milk for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 23, 2010
Dec 24, 2010
Currency Exchange Loss:
May 15, 2011