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Twitezimbere Bahinzi /kzr Group
In this Group: Virginie, Josephine, Emmanue, Aloys, Drocelle, Alvera, Laurence, Francine, Francine, Dathive
Emmanuel, age 35, is a member of Twitezimbere/Kzr Group. He's married and has three children, age 8 to 12. Out of them, two attend school. His own level of education amounts to five years of elementary school.

Emmanuel is a rice cultivator. He's seeking his first loan from Kiva's partner, ACB. He will use it to buy chemical fertilizers.

His strategy for growing his business is to expand his rice cultivation area. In the forthcoming years, he would like to be the rice provider in his region.

He intends to user his profits to educate his children and send them to school.
View original language description ↓
Emmanuel fait partie du groupe Twitezimbere/Kzr. Il a 35 ans et il est marié avec 3 enfants de 8 à 12 ans, dont 2 scolarisés. Son niveau d’éducation est de 5 ans de primaire.

Emmanuel est cultivateur de riz. C’est son premier cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter des engrais chimiques.

Sa stratégie pour la croissance de son business est d’agrandir la surface de culture de riz. Dans les prochaines années, Emmanuel voudrait être le fournisseur du riz dans sa région. Avec les profits, il prévoit d’éduquer et scolariser ses enfants.

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

  • $1,000
    Average annual income
  • 24
    View loans »
    Rwanda Loans Fundraising
  • $11,741,025
    Funds lent in using Kiva
  • 595.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twitezimbere Bahinzi /kzr Group's $1,700 loan helped a member to buy chemical fertilizers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Nov 15, 2011
Jan 1, 2012
Currency Exchange Loss:
May 16, 2012