Jean Nzamwita

Thank you for your loan. It has been disbursed to Jean NZAMWITA by Vision Finance Company s.a. (VFC), a partner of World Vision International in Rwanda. We are excited to watch this business grow. Over the next 8 months, Vision Finance Company s.a. (VFC), a partner of World Vision International will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.

Greetings from Jean Nzamwita in Burera, near Ruhengeri, Rwanda! Jean is pleased to inform you that he is successfully paying off his loan on time. He is hoping to get ahead of schedule so that he can take out a new, larger loan as soon as possible.

Jean used his first loan from Vision Finance Company to buy more sorghum for the sorghum beer that he makes. He used to have enough sorghum to produce 100 liters of the beverage each day, but with his increase in sorghum after the loan he has now doubled his beverage-making capacity.

Jean produces the drink by buying sorghum, grinding it until it's very fine, and then cooking it so that it produces a liquid. He then let's the liquid sit overnight and it is ready to drink the next day. He charges his customers 200 Rwandan Francs per liter (approximately 40 cents).

Another aspect of Jean's business is potato sales. He sells potatoes not for eating but rather for planting. Farmers buy his potatoes to plant in their fields to produce the crop. He is hoping that with his next loan he will be able to expand this aspect of his business.

Jean has used his profits to buy land on which he is growing his own potatoes. He already owns a house. In the future, he hopes to buy a car to help him transport his potatoes. Now, he and his 3 employees carry the sacks of potatoes on their heads in order to transport them.

Jean is grateful for his loan and looks forward to continuing to expand his business and care for his family!

Dear Kiva Lender,

Thank you for supporting entrepreneurs in Rwanda! I am happy to be writing to you as the Kiva Fellow in Rwanda working with Vision Finance Company (VFC). VFC has been one of Kiva’s field partners for ten months. This means that in June of last year, VFC began posting some of its clients on the Kiva website to raise funds for their loans. To date you have funded loans for 168 VFC clients, lending a total of $137,850.

Many people know of Rwanda only in the context of the Genocide that took place here in 1994. While that violent history remains part of the lives of everyone here, there is much more to this country than a tragic past. The energy permeating the country is towards growth and development. The microfinance industry in Rwanda is an important part of the growth that is taking place here. Vision Finance Company targets the productive poor throughout the country and has social metrics in place to gauge their effectiveness at improving household standards of living. It has found ways to access rural areas that are overlooked by other MFIs in the country and as a result gets capital to rural entrepreneurs, particularly in the agriculture sector, that have no other access to capital. Ninety percent of Rwanda’s labor force participates in agriculture, so VFC’s ability to target and improve the output of the country’s farmers is imperative to the country’s continued growth.

The country’s growth is occurring alongside its attempts to cope with the Genocide of fifteen years ago. There is a juxtaposition of those who committed the Genocide and those who survived. Prisoners do manual labor all over the country, working on plots of land, building brick walls along roads, and doing various other public works projects in plain sight. They pass through lives as they stand packed in the backs of trucks and are taken between their projects and their cells. One of the most complex issues this country faces is how to go on, develop, heal, when the painful past remains present. After a horrific divisiveness, how is everyone supposed to come together again?

While I don’t have an answer to that question, I do feel like microfinance plays a role. After visiting a few of VFC’s clients, I understood that many were Genocide survivors. It took me a little bit longer to realize that they also serve the perpetrators of the Genocide. As is now the law in the country, VFC does not discriminate. Serving all qualified individuals in an equal opportunity way makes sense in theory but is quite complex in practice. Even the credit officers working with the clients often have their own stories of survival.

I recently met with a client whom I knew was a perpetrator of the Genocide. He was free because he had confessed his crimes, his confession was accepted as true by the gacaca court (a court system that has been established to process trials for accused genocidaires on a local level), and he had completed the assigned community service. Now he was back at home with his family, dressed in civilian clothing, and working in his businesses.

My immediate reaction upon meeting him was that he had such a kind face. I noticed his warm smile and friendly greetings to the staff. Then he shook my hand and it was just like so many greetings I’ve exchanged here before. It was a jarring interview for how totally routine it was. He was not a man you would pin as a killer. This client was the closest I’ve come to the reality that ultimately all perpetrators of the Genocide will be free. He put a face to the abstract impossibility that this country is facing as it frees prisoners from overcrowded prisons and reintroduces them to society.

Microfinance in Rwanda serves an important role as the country attempts to rebuild. Survivors and perpetrators alike are in need of the means to begin again to prevent against history repeating. As lenders to this country, you all are serving a role in its better future. VFC is attempting to collect updates for you on as many of its clients as possible, but in the meantime I hope this email helps you to understand the impact your loan is having. From Kiva, Vision Finance Company, and all of its clients, thank you for lending!

To see all of Vision Finance Company’s currently fundraising loans, please click here: http://partners.kiva.org/app.php?page=businesses&partner_id=117&status=fundRaising&sortBy=New+to+Old&_te=mj. To join the lending team created to support Rwandese clients, click here: http://www.kiva.org/community/viewTeamMembers/?team_id=5273.

Sincerely,

Julie Ross