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Emmanuel Plus Group
In this Group: Erick, Monique, Odette, Sylvie, Mamie, Mado, Carine*, Germaine*, Brigitte, Pascaline, Micheline, Constantine, Ruth, Patricia, Angélique, Maguy, Elisabeth, Liliane, Germaine
* not pictured
Emmanuel Plus is a Community Bank of 19 owners of small businesses who selected Erick as chairman. Its members are jointly liable for loans granted by Kiva through the MFI HOPE DRCongo to grow their businesses. They organized themselves by affinity and proximity.
Erick earns a living by selling loaves of bread and fresh foods in his neighborhood located northeast of Kinshasa. He has many customers. He started his business in 1986. His business brings in a profit of about US$100 each week. Erick is planning with the next loan to increase the stock of his business by buying more loaves of bread to resell at profit. His ambition is to provide loaves of bread to more than a thousand customers in medium term. He is 52 years old, married and the father of five children between the ages of 15 and 20. Three 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
  • 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 Emmanuel Plus Group's $3,650 loan helped a member to increase his stock by buying more loaves of bread to resell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 28, 2012
Jun 1, 2012
Currency Exchange Loss:
Oct 15, 2012