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Ibyiringiro Group
In this Group: Silvia, Aliane, Joy, Francine, Beatrice , Eugenie , Providence, Olive , Gloriose , Damien , Liberata , Alphonsine , Francine , Christine , Jean Paul , Claudine , Consolee , Elevanie , Florance , Apophia , Judith , Marie , Beatrice , Beatrice , Solange , Patricie , Jeanette , Judith
Silvia is 35 years old and single. She sells a variety of consumable goods such as bread, juice, milk and yogurt in her shop. She has been running this business for the past two years. Silvia is the leader of a group called Ibyiringiro CB which, translated from the Kinyarwanda language, means The Hope in English. The members of this group have different kinds of businesses but are all committed to making change in their lives. Through requesting this loan, they will be able to upgrade and improve their businesses.

Silvia believes her business has improved many aspects of her life. She is in the photo at the back on the left, holding a passbook of Urwego. She is planning to purchase more merchandise and restock her inventory in the future.

Additional Information

About Urwego Opportunity Bank of Rwanda (UOB)

Urwego Opportunity Bank (UOB) helps underserved Rwandans by providing its clients with the necessary credit and savings capabilities required for economic transformation. It offers credit products, including group and individual loans, as well as training in business development, financial literacy and health management. UOB loan products leverage social collateral since most group members have little to no collateral.

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
  • 21
    View loans »
    Rwanda Loans Fundraising
  • $15,719,700
    Funds lent in using Kiva
  • 594.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Ibyiringiro Group's $4,300 loan helped a member to buy more juice, bread and yogurt to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 11, 2010
Nov 16, 2010
Currency Exchange Loss:
Apr 29, 2011