He belongs to a solidarity group named Abakundisuka, whose members are rice farmers guaranteeing each other’s loans. to support their families and offer them a better life conditions Albert, like other members of the group, has his land parcel in this valley and cultivates rice. The group has taken out a loan from Amasezerano Community Banking in order to purchase chemical fertilizers for their field. After harvesting, one part of the produce is sold and the other is used by the families.
NB: Some of the men are in prison and are replaced by their wives.
Il appartient dans un groupe solidaire appelé ABAKUNDISUKA cultivateurs de riz, qui est un groupe dont les membres sont agriculteurs de riz et ils se garantissent mutuellement, Albert et son groupe travaillent pour faire vivre leurs familles en améliorant leurs conditions de vie, Albert comme tout autre membre du groupe il a sa partie dans cette vallée ou il cultive le riz. Le groupe a contracté un prêt au sein d’Amasezerano Community Banking pour acheter les engrais chimique pour félitiliser leur champ. Quand le groupe récolte, une partie de la récolte est vendue et une autre est utilisée pour les familles.
N.B:Certains hommes sont eprisonés et sont remplacés par leurs femmes.
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.
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