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Amahoro Group
In this Group: Liberée, Joseph, J Paul, Perpeu, Bosco, Silas*, Frorentine, Beretilda, Innocent
* not pictured
Joseph is a member of group Amahoro. He is 44 years old and married, with five children between the ages of four and fifteen. Three of the children go to school. His own education consists in six years of primary school.

Joseph is in retail. This is his first loan cycle with ACB. He will use his credit to purchase articles and clothing to retail in his shop.

His strategy to grow his business is to save money with which to improve the business, and to pay back his loan punctually in order to be eligible for larger loans. In the coming years, Joseph would like to become a major retailer. With the profits, he is planning on sending his children to school and to improve his family’s well-being.
View original language description ↓
Joseph fait partie du groupe Amahoro. Il a 44 ans et il est marié, avec 5 enfants de 4 à 15 ans dont 3 scolarisés. Son niveau d’éducation est 6 ans de primaire.

Joseph est commerçant. C’est son premier cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter des articles de sa boutique et des vêtements à vendre.

Sa stratégie pour la croissance de son business est de faire des épargnes pour améliore son business et rembourser au temps pour pouvoir accéder au grand montant du crédit. Dans les prochaines années, Joseph voudrait être un grand commerçant. Avec les profits, il prévoit de scolariser ses enfants et améliore le bien être de sa famille.

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
  • 12
    View loans »
    Rwanda Loans Fundraising
  • $15,406,850
    Funds lent in using Kiva
  • 595.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Amahoro Group's $1,525 loan helped a member to buy articles and clothes to retail in his shop.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 3, 2012
Feb 19, 2012
Currency Exchange Loss:
Jul 15, 2012