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Josephine
Joséphine M. is a 48 year old widow who was born in Rubavu district in Rwanda's Western Province. She has little schooling, but she can read and write. She has four children; the oldest is 27 and the youngest is 13. Two of her children have been to high school.

This is a family that lives from agriculture and raising cattle. They have a good location near Kivu lake where there is always pasture even during the dry season. Mrs. M. received a loan from Amasezerano Community Banking in 2009 to buy a cow of a better breed. Thanks to her investment, she has paid the tuition fees for her two children and put flooring in her house, which had a dirt floor before. She hopes to acquire 10 better breed cows in the future because these are more profitable than local cows and produce milk, which improves nutrition. The return on this investment will allow her to support the other two children who are still in school.
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M. Joséphine est une femme de 48 ans, veuve, née à Rubavu un des districts de la province de l’Ouest du Rwanda, son niveau d’étude est négligeable mais elle sait lire et écrire. Elle a mis au monde quatre enfants, le plus âgée a 27 ans et son cadet a 13 ans. Deux de ses enfants ont étudié jusqu’au niveau de secondaire.

Cette famille vit de l’agriculture et l’élevage des bovins et son milieu de vie est favorable pour l’élevage car c’est tout près du lac Kivu ou le pâturage ne manque pas même dans la saison sèche. Client d’Amasezerano Community Banking depuis 2009, elle a contracté un prêt avec celui-ci pour acheter une vache de la race améliorée. Grâce à ses épargnes elle a pu payer le minerval pour ses deux enfants, et mettre le pavement dans sa maison qui n’était pas pavée. Elle veut avoir dans l’avenir dix vaches de race amélioré car elles sont bénéfiques que les races locale et améliorer l'aimantation par le lait. Les épargnes venant de ces bénéfices lui permettra d’amener les deux autres enfants qui restent a l’école.



Additional Information

About Amasezerano Community Banking, S.A.

Amasezerano Community Banking, S.A., is a for-profit microfinance institution founded in 2005 by the Rwandan NGO African Evangelist Enterprises-Rwanda and 61 individual shareholders, and has been a Kiva partner since June 2010. The mission of Amasezerano Community Bank (ACB) is to have a holistic, positive impact on the lives of poor people by providing quality financial services. ACB’s client base is composed primarily of farmers, small-business owners, women entrepreneurs and low-wage private-sector salaried workers. Credit offerings are tailored to meet client needs, and include group solidarity loans, agricultural loans, loans for women entrepreneurs, small-business loans, and loans for salaried workers. ACB also offers mobile money transfers, currency exchange and life insurance services to its borrowers.

About Rwanda

  • $1,700
    Average annual income
  • 29
    View loans »
    Rwanda Loans Fundraising
  • $14,263,125
    Funds lent in using Kiva
  • 581.0
    Rwanda Francs (RWF) = $1 USD