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Jyambere Group
In this Group: Germain, Ruth, Jean Damascène, Thérese, Claude, Annonciata, Jean Paul, Donath, Edouard, François
Germain U. was born in Bugesera, in the Sake district in the Eastern part of the country. He is 33 years old. His eldest child is 6 and the youngest 2 years old. His education level is primary.

He lives with his family in Sake Bugesera, and five of his children attend school. He earns his living together with his wife and they seek to improve their family’s living conditions. He retails clothing, and with this loan intends to buy shirts and pants for men, women and children. His business is located in the commercial area of Sake, which is a developing rural centre. He was able to build a house where he lives together with his family.

He belongs to a solidarity group named Jyambere, whose members are all merchants and provide each other with mutual guarantee. Jérémie and his group work to ensure their family’s subsistence, improve their living conditions, and provide schooling for their children.

In fact, the group has obtained a loan from the Amasezerano Community Banking association, to buy items for resale in their commerce. Part of the profit is reinvested to ensure the group’s financial stability, and put into savings to prepare for a prosperous future.
View original language description ↓
Germain U., née à bugesera secteur Sake l’Est du pays, marié, il a 3 enfants, il a 33 ans, son ainé a 6 ans et son dernier enfant à 2 ans et son niveau d’éducation est primaire. Il vit avec sa famille à sake Bugesera. Cinq de ses enfants vont à l’école. Avec son épouse ils travaillent pour faire vivre et améliorer les conditions de vie de sa famille. Il fait le commerce des habits pour détail, avec ce prêt il veut acheter les chemises et pantalons pour hommes et femme et pour enfants, il effectue ce commerce dans le centre commercial de Sake qui est un centre rural mais qui en voie de développement. Il a pu construire une maison dans laquelle il habite, lui et sa famille.
Il appartient dans un groupe solidaire appelé JYAMBERE, qui est un groupe dont les membres sont tous commerçants et ils se garantissent mutuellement, Jérémie et son groupe travaillent pour faire vivre leurs familles en améliorant leurs conditions de vie et en amenant leurs enfants à l’école. En fait, le groupe a contracté un prêt au sein d’Amasezerano Community Banking pour acheter les articles de leur commerce et les revendre, une partie du profit est réinvesti pour maintenir la stabilité financière du groupe et épargner afin de préparer pour un bon futur.

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.

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 Rwanda

  • $1,700
    Average annual income
  • 18
    View loans »
    Rwanda Loans Fundraising
  • $15,715,100
    Funds lent in using Kiva
  • 589.2
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Jyambere Group's $1,275 loan helped a member buy shirts and pants for men, women and children.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 27, 2010
Jul 27, 2010
Currency Exchange Loss:
Dec 15, 2010