Tujyinama / Rsz Group
Béatrice is a merchant. This loan cycle is her second one with ACB. She is going to use her loan to buy pagnes (colorful West African cloth) to resell. Her strategy for business growth is to have warehouses of pagne cloth in order to sell a lot more with the aim of increasing her capital.
Over the next few years, Béatrice would like to become a major merchant and seller in her region, to pay for schooling for her children, and to cover the medical costs for her family.
Béatrice est commerçante. C’est son deuxième cycle de prêt avec ACB. Il va utiliser son crédit pour acheter des pagnes pour les revendre.
Sa stratégie pour la croissance de son business est d’avoir des dépôts des pagnes pour vendre beaucoup plus en vie d’augmenter le capital. Dans les prochaines années, Béatrice voudrait devenir une grande commerçante et vendeur dans sa région, payer les frais d’études pour ses enfants et payer les frais médicaux pour sa famille.
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.
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Success!! The loan was 100% repaid