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Bénédiction Plus Group
In this Group: Sylvie , René, Céléstin, Marie, Bijou*, Kapinga
* not pictured

Update on Bénédiction Plus Group

Sylvie aged 40, is the leader of the Community Bank named “Bénédiction Plus” which is composed of 6 members united in solidarity for receiving Kiva loans with the goal of developing their businesses.

Sylvie has been part of the micro-enterprise since 2007. She started her business selling yoghurt, and gofers. Today, she runs a restaurant and mainly the Take Away service. She has many customers.

Sylvie is a loyal client of IMF HOPE RDC who has already received ten different loans and has repaid them properly. Her business has prospered thanks to accumulated profit and good management. The loan she’ll obtain next will be used to buy more foods in bulk to meet her customers demand with the goal of increasing her profits. Her business generates a profit of about US$70 per week. Sylvie’s ambition is to open a modern restaurant in her area. She is married the mother of three children between the ages 9 months and 8 years old. Two of them attend school.

Previous Loan Details

Bénédiction Plus is a group of eight owners of small businesses, chaired by René. Its members are jointly responsible for loans granted by Kiva through the micro-finance institution HOPE DRC to grow their businesses. René sells drinks in the eastern area of Kinshasa. He has been in the busines... More from Bénédiction Plus Group's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • $13,396,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Bénédiction Plus Group's $2,850 loan helped a member to purchase a larger quantity of foods for her restaurant to meet her customers demand and increase her profits.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 25, 2012
Jun 1, 2012
Currency Exchange Loss:
Oct 15, 2012