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4373 Umucyo Group
In this Group: Marie Grace, Immaculee, Velene, Marie, Denise, Marie, Theophile
Immaculee is 36 years old and is married with three children between the ages of 6 and 10 years old. She is the president of a group which called “Umucyo”. Her business is well-organized. she sells charcoal in her market. She has seven years of experience and works from 6 am until 10 pm every day.

Immaculee and her group have requested a loan from Kiva in order to purchase more goods like charcoal to sell. With their profits, Immaculee and her group will reinvest in their businesses and to build their own houses.

Additional Information

More information about this loan

This loan helps low-income entrepreneurs in Rwanda grow their businesses and, ultimately, to support their families. These loans typically serve very poor and rural clients and particularly women, who often lack access to the traditional collateral needed for a loan. VFC serves these entrepreneurs through both individual and group loans and provides them with financial education and tools for them to save money for the future. By supporting this loan, you are helping Rwandan entrepreneurs build the means to support their families and improve their lives.

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

Vision Finance Company, soon to be known as Vision Fund Rwanda (VFR), is the microfinance subsidiary of World Vision and is one of the largest microfinance institutions serving rural underprivileged communities in Rwanda, many of which do not have access to formal financial services.

VFC serves people and communities that are economically productive but low-income, especially in very rural areas. This includes small business owners and salary earners who are looking for opportunities to provide better lives for their families and a promising future for their children.

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
  • 31
    View loans »
    Rwanda Loans Fundraising
  • $14,226,825
    Funds lent in using Kiva
  • 592.0
    Rwanda Francs (RWF) = $1 USD