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Twisungane Group
In this Group: Epiphanie, Donathile , Mediatrice , Dative , Josephine , Speciose , Marie Goreth , Beata , Jeannette , Anne Marie , Janviere , Clementine , Triphine , Julienne , Regine , Delphine , Zachee , Jeremie , Jeanne , Alphonsine , Jacqueline *, Seraphine , Donatila , Claudette , Marie , Clementine
* not pictured
Epiphanie is 53 years old, married and has two children who 10 and 14 years old. She makes a living selling livestock and also leads a loan group called Twisungane in the Kinyarwanda language, which means "Let Us Join Together." The group members run different types of businesses but all of them are determined to expand their small companies and pay back this loan.

Epiphanie has sold livestock for the last three years and is applying for this loan to buy more livestock to sell. She hopes to use the additional profits made possible by this loan to renovate her house and improve her family's life.

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.

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
  • 50
    View loans »
    Rwanda Loans Fundraising
  • $15,329,275
    Funds lent in using Kiva
  • 593.5
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twisungane Group's $2,850 loan helped a member to expand a group of small businesses.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 21, 2010
Jan 6, 2011
Currency Exchange Loss:
May 15, 2011