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Clémentine N. is a 45-year old woman. She has a husband and seven children, and she was born in the Democratic Republic of the Congo. She went to primary school only but can read and write Kinyarwanda (the language spoken in Rwanda). She gave birth to four children, the eldest being 28 years old and the youngest seven years old; all her children attend school.

This family make their living from business. Her husband is an emplyee while Clémentine has a charcoal selling business. She has been a customer of Amasezerano Community Banking since 2010, and she is taking out a loan from this institution to pay the fees for her eldest son's second term at university. Thanks to her savings, she has been able to pay the school fees for her children who are secondary school and to finish the renovation of their house. She would like to get a new house in the future, and the savings she makes from her profits will allow her to continue paying her children's school fees until they have finished their studies.
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Clémentine N. est une femme de 45 ans, elle a un mari et 7 enfants, née en RDC (REPUBIQUE DEMOCRATIQUE DU CONGO), son niveau d’étude est primaire mais elle sait lire et écrire le Kinyarwanda. Elle a mis au monde quatre enfants, le plus âgée a 28 ans et le moins âgée a 7 ans tous ses enfants vont à l’école.

Cette famille vit de commerce, son mari est salarié quant a elle fait le commerce de charbon. Client d’Amasezerano Community Banking depuis 2010, elle contracte un prêt avec celui-ci pour payer le minerval de son fils ainé le deuxième trimestre d’université. Grâce à ses épargnes elle a pu payer le minerval pour ses enfants l’école secondaire, et réhabiliter leur maison qui n’était pas fini. Elle veut avoir dans l’avenir une nouvelle maison, les épargnes venant de ces bénéfices lui permettra de continuer de payer le minerval pour ses enfants jusqu'à terminer leurs études.

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
  • 54
    View loans »
    Rwanda Loans Fundraising
  • $15,328,600
    Funds lent in using Kiva
  • 589.2
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Clémentine to pay her eldest son's school fees.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 23, 2010
Jul 23, 2010
Currency Exchange Loss:
Feb 15, 2011