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Clemence is 39 years old and is married to a gatekeeper. They have four children between the ages of five and 20, all of whom except the oldest go to school. Clemence sells milk, soft drinks, juice and mineral water and has spent 12 years in her business. Her business is well known in the trading center where she operates it. With the loan she will purchase more liters of milk as well as cartons of mineral water. With the profit she will add to her savings and capital. She is keenly seeking to own her own house.

Additional Information

About Urwego Opportunity Bank of Rwanda (UOB)

Urwego Opportunity Bank (UOB) is a Rwandan bank specializing in microfinance. It offers credit products to individuals and groups interested in starting or expanding their businesses. It also offers training in business development, financial literacy and health management. Given that approximately 90% of the Rwandan population is directly or indirectly related to the agricultural sector, Kiva lenders’ funds will be used to support UOB’s agricultural loan products, which are vital to the clients living in remote areas.

About Rwanda

  • $1,700
    Average annual income
  • 60
    View loans »
    Rwanda Loans Fundraising
  • $15,272,975
    Funds lent in using Kiva
  • 588.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Clemence to purchase more milk and mineral water to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 30, 2010
Oct 15, 2010
Currency Exchange Loss:
Feb 15, 2011