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C4813 Abadahigwa Group
In this Group: Immaculee, Valence, Emmanuel, Joselyne, Marriane, Jeanine, Regine
Immaculee is the president of a group called “Abadahigwa”, which has a total of seven members. Immaculee is the first person on the right in the photo. She owns a small business selling sugar, rice, bananas, sorghum, etc. She is 58 years old and is married with five children and three additional dependents who are relatives. Her business is open from 7am until 8pm every day. This is her fifth successful year in her business.

Immaculee will use this loan to purchase more products to sell such as salt, beans, soft drinks, bread, etc. With any profit, Immaculee would like to provide food for her family, pay school fees for her dependents, renovate her house, save money for the future and to reinvest in her business.

Additional Information

About Vision Finance Company s.a – Rwanda (VFC)

Vision Finance Company (VFC) was Kiva's first partner in Rwanda. Established in 1999, VFC is an affiliate of World Vision International. Since its founding, VFC has been committed to alleviating poverty in Rwanda by ensuring that poor people have access to credit to support business initiatives that will improve their life circumstances.

VFC has a broad set of products and services, offering Community Banking services for self-selected groups of 10-30 borrowers, Solidarity Group services for more experienced groups of entrepreneurs, and Individual Loans for customers who already have a small established business. Vision Finance is also among the very few financial institutions targeting farmers and providing agricultural credit options in Rwanda, where access to credit is critical to the success of agricultural enterprises.

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

  • $1,000
    Average annual income
  • 94
    View loans »
    Rwanda Loans Fundraising
  • $13,450,325
    Funds lent in using Kiva
  • 592.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of C4813 Abadahigwa Group's $2,050 loan helped a member to purchase more products to sell, such as salt, beans, soft drinks, bread, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 21, 2011
Apr 8, 2011
Currency Exchange Loss:
Oct 17, 2011