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Shemus, a 29-year-old Rwandan entrepreneur, is married to a motorcycle taxi driver and the mother of three children, all in school. The operator of an enterprise called Berwa since 2007, Shemus originally offered only tailoring services but now has expanded to include the sale of fabrics. She will use this loan to purchase additional fabric that she will both sell and use to make clothing.

With her business profits, Shemus plans to pay the school fees for her children and also accumulate savings for her family’s future.

Additional Information

About Urwego Opportunity Bank of Rwanda (UOB)

Urwego 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.

About Rwanda

  • $1,700
    Average annual income
  • 12
    View loans »
    Rwanda Loans Fundraising
  • $15,406,850
    Funds lent in using Kiva
  • 593.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Shemus to buy fabrics to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 15, 2011
Jul 19, 2011
Currency Exchange Loss:
Nov 15, 2011