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Bantoma Plus Group
In this Group: Bernard, Veronique, Francisca, Angelique, Suzanne, Germain, Jp, Mimi, Adrienne*, Aele
* not pictured
Bernard is a leader of a community bank named Bantoma Plus, which is composed of 10 microentrepreneurs united in solidarity to receive loans from Kiva through IMF HOPE DRC with the goal of developing their businesses.

Bernard, 42, runs a cybercafé. He has been in business since 2011. He is working hard because his ambition is to expand his business in his area. As he wants to develop and diversify his business, he has decided to join one of Hope’s groups. He is planning with the next loan to purchase a copy machine for his business in order to increase his working capital. He makes a profit of about $20 per day. Bernard has succeeded with good strategies to build up permanent customers. He always talks with his customers. He knows them well and by their names, and he never runs out of supplies. He is married and the father of five children whose ages vary between 4 and 19 years old. Four of them attend 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
  • $13,515,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Bantoma Plus Group's $5,000 loan helped a member to purchase a copy machine for his business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 31, 2012
Aug 10, 2012
Currency Exchange Loss:
Dec 15, 2012