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Twitezimbere Cb Group
In this Group: Marie Josee , Charlotte , Xaverine , Bonifride , Philomene , Esperance, Dancille , Laurence , Esther , Thacienne , Violette , Chantal , Vandelene , Anastasie , Marie , Marie Theresie , Alphonsine , Speciose , Donathile , Marie Chantal , Annonciathe , Immaculee , Emma , Asterie , Phocas , Laurence , Narcisse , Xavere , Anuarithe , Aurelie
Marie Josee is the group leader of this borrowing group called Twitezimbere in Kinyarwanda, which means "let us develop” in English. She is a 49-year-old widow with two children, who are twelve and sixteen years old. Both of her children currently attend school.

To earn a living, for the past four years, Marie Josee has been selling green bananas. Marie Josee says that her business has been successful because she resolved certain serious family issues. She is thankful for the popularity of her business.

Marie Josee explains that her borrowing group's members are well organized and are determined to make positive changes to their businesses. The group members sell different products. To improve their various businesses, they decided to request a group loan. Marie Josee intends to use her portion of the group loan to purchase more green bananas for re-sale purposes. She plans to use any additional profits generated as a result of the loan to pay for her children's school fees and to provide food for her family. She dreams of operating a small supermarket in the future.

In the picture, Marie Josee is sitting in front, with money in one hand and a black handbag on her left side. The other people in the picture, including the men in the back row, are family friends of the borrowers.

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
  • 3
    View loans »
    Rwanda Loans Fundraising
  • $15,509,150
    Funds lent in using Kiva
  • 592.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twitezimbere Cb Group's $4,650 loan helped a member to expand and improve her business by purchasing additional green bananas.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 21, 2010
Jan 14, 2011
Currency Exchange Loss:
May 15, 2011