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Eben Ezer (#2) Group
In this Group: Justin Armand, Aurelien Clotaire, Stephanie Opportune, Guy Herman, Prospere A
Justin, age 43, is married with five children. His youngest is 2 years old and the oldest is 22 years old. He also provides and takes care of his elderly father.

Justin is representing the Eben Ezer (#2) group. Justin operates a restaurant and snack shop. He has had this business for 4 years. He will use the loan to buy drinks for his restaurant including wine, beer, and assorted sodas. His business strategy is to play good music at his restaurant. He has found his customers like this very much. He also makes sure his drinks are always very cold.

Justin has received four previous loans from Kiva's partner, HOPE Congo. He has a good repayment record. He hopes to use the profits from his business to help his children be successful and to allow them to study abroad.

Additional Information

Important Information

About HOPE Congo S.A.: HOPE Congo S.A. is a start-up microfinance institution located in Brazzaville, Republic of the Congo. As of 2009, the Republic of the Congo was the 136th-ranked country in the United Nations Development Programme’s Human Development Index. The average life expectancy is in the low 50s and food insecurity poses a constant threat to ordinary people’s well-being. Through the creation of community banks, HOPE Congo provides credit, savings, and training for entrepreneurs in Brazzaville. With their services, they aim to nourish a culture of saving and an independent community of responsible and self-sustaining entrepreneurs.

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 (Rep.)

  • $6,600
    Average annual income
  • 0
    View loans »
    Congo (Rep.) Loans Fundraising
  • $2,281,600
    Funds lent in using Kiva
  • 503.4
    Communauté Financière Africaine Francs BEAC (XAF) = $1 USD

Success!! The loan was 100% repaid

A portion of Eben Ezer (#2) Group's $4,975 loan helped a member to pay for wine and other assorted drinks.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 2, 2012
May 24, 2012
Currency Exchange Loss:
Nov 15, 2012