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Mibeko Plus Group
In this Group: Etoyi, Sylvie, Bakambamba, Charlotte, Brigitte*, Tanga, Sunda, Berth, Mamie, Kanieba, Liliane, Mado, Hortence, Virginie, Marie Claire, Thérèse
* not pictured
“Mibeko Plus”, which means Laws in English, is a group of 16 owners of small businesses chaired by Etoyi. Its members are jointly liable for loans granted by Kiva to grow their businesses.

Etoyi has been selling second hand clothing since 1985. She started her business with a beginning capital of USD 150. Over the years, her business prospered through determination and hard work. She has been able to build a loyal customer base that has stabilized her business. With good management and savings, Etoyi has been able to increase her working capital today. She sells at the market and her business makes $40 per week. She is confident with her business and she is determined to someday diversify her business by adding beverages. Etoyi is 48 years old, married, and has four children between the ages of 18 and 24. All 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
  • 2
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $13,512,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Mibeko Plus Group's $5,000 loan helped a member to purchase two bundles of second hand clothing to resell at a profit.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 18, 2012
Jan 20, 2012
Currency Exchange Loss:
Jun 15, 2012