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Emmanuel Baco Group
In this Group: Justine, Mwewa, Josué, Masaku, Christine*, Shimba, Monga , Ngoie, Katoka
* not pictured
Justine, 64, is a widow with ten children aged between 28 and 49 years old. She has been a part of the micro-enterprise world since 1962 and is the chairwoman of the Emmanuel BACO community bank. Through this bank nine members are united in solidarity with the goal of developing their businesses through Kiva loans.

Justine operates a general store located to the northeast of Lubumbashi and makes $150 USD a month. She has acquired solid skills and experience managing her store. She works to the best of her abilities and uses her contacts so as to achieve her goals.

Justine is a trustworthy client of the MFI HOPE RDC, having ten times obtained and correctly repaid loans. Her group is applying for a 6,000 USD loan, of which she will take a portion. With it she will increase her stock of merchandise by buying canned foods, sacks of rice, soap, sugar, milk and dozens of prepaid phone cards.

Justine’s ambition is to open a larger store in Lubumbashi one day and so achieve financial independence.

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
  • $13,512,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Emmanuel Baco Group's $6,000 loan helped a member to increase her store's stock of merchandise.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Oct 23, 2012
Currency Exchange Loss:
Apr 2, 2013