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Tubumwemubikorwa Group
In this Group: Aimable, Razaro, Agnes, Fidèle, Flugence, Bernardin, Clement, Valerien, Théoneste*, Anastase
* not pictured
Théoneste, 54, has been a client of ACB since 2011. He is a member of the group Tubumwemubikorwa. He was born in Rwanda and he attended primary school for six years. He is married and he has six children between the ages of 36 and 18. Two of his children are attending school.

This is his first loan, and Théoneste is going to use the loan to grow rice, paying for labor and buying chemical fertilizer. His strategy is to expand the area cultivated and use fertilizer to expand his agricultural production. He wants to improve the quality of rice he grows. In future, he wants to be capable of financing his undertaking himself.
View original language description ↓
Théoneste est client d’ACB depuis 2011, il est membre du groupe Tubumwemubikorwa, il est né au Rwanda, son éducation est de 6 ans de l’école primaire, il est marié, il a 49 ans, il a 5 enfants entre 21 et 12 ans, tous ses enfants vont à l’école. C’est son premier cycle de prêt, Théoneste va utiliser le prêt pour l’agriculture de riz en paiement de main d’œuvre et achat d’engrais chimique. Sa stratégie est d’augmenter l’étendu cultivé et l’utilisation des felitilisants pour augmenter la production agricole et veut améliorer la qualité de riz cultivé. Dans l’avenir, il veut être capable de s’autofinancer.

Additional Information

About Amasezerano Community Banking, S.A.

Amasezerano Community Banking, S.A., is a for-profit microfinance institution founded in 2005 by the Rwandan NGO African Evangelist Enterprises-Rwanda and 61 individual shareholders, and has been a Kiva partner since June 2010. The mission of Amasezerano Community Bank (ACB) is to have a holistic, positive impact on the lives of poor people by providing quality financial services. ACB’s client base is composed primarily of farmers, small-business owners, women entrepreneurs and low-wage private-sector salaried workers. Credit offerings are tailored to meet client needs, and include group solidarity loans, agricultural loans, loans for women entrepreneurs, small-business loans, and loans for salaried workers. ACB also offers mobile money transfers, currency exchange and life insurance services to its borrowers.

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
  • 592.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Tubumwemubikorwa Group's $1,375 loan helped a member to purchase fertilizer to use to grow rice.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
At end of term
May 20, 2011
May 30, 2011
Currency Exchange Loss:
Sep 15, 2011