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Courage Plus Group
In this Group: Germaine, Julienne, Marie, Doudou, Léonie, Hélène, Anna, Annie*, Alphonsine, Antoinette, Aicha, Jolie, Dorothée*, Marie-Jeanne, Madeleine, Bénie, Bernadette*, Roger, Roger, Germaine, Zizi*, Ture, Angèle, Béa, Bibiche, Bruno*, Christelle, Rose, Ruth
* not pictured
Germaine earns a living by selling beverages, corn and manioc flour, a business she started in 1997. Germaine is 57 years old, a widow and the mother of five children. Currently through her sales, Germaine makes about $180 per week. She is a trustworthy client of the MFI HOPE DRC, having four times received and properly repaid loans. She is planning to reinforce her working capital with her next loan and increase the inventory of her business. She is happy right now, as she is going to be able to buy some sacks of corn and manioc flour and a sack of beans to resell at a profit. She works hard because she wants to expand her business.

Germaine is the chairwoman of a community bank named “Courage Plus” which is composed of 29 microentrepreneurs united to receive loans from Kiva through the MFI HOPE RDC with the goal of developing their businesses.

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
  • 16
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,961,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Courage Plus Group's $5,000 loan helped a member to increase the inventory of her business by buying some sacks of corn and manioc flour and a sack of beans in order to resell at profit.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 26, 2012
Feb 4, 2012
Currency Exchange Loss:
Jul 15, 2012