Dukore Twitezimbere Group
Félicité became a client of ACB in 2010, and she is on to her second loan cycle. Her previous loan was well repaid. With this loan, she is buying 200 kilos of potatoes and one bag of chemical fertilizer. The only two elements that could make repayment of the loan difficult are either too much sun or too much rain. To increase her farming activity, Félicité's strategy is to increase her surface of cultivated land through the purchase of additional fields. This will become a possibility in the future thanks to the loans that she will be requesting. After increasing her surface of arable land, her next ambition is to diversify her crops.
Regarding her family, Félicité will continue to educate her children and she will be building a residential house for her family. Besides the activity for which she receives financing, Félicité also raises goats.
Elle est devenue cliente d'ACB en 2010 et le cycle actuel est le 2ème pour elle. Elle a bien remboursé le crédit antérieur. Le crédit actuel lui a permit d'acheter 200 kgs des pommes de terre, 1 sac d'angrais chimiques, etc. Trop de soleil ou trop de pluie sont les seuls éléments qui peuvent faire que ce crédit soit remboursé difficilement.Pour accroître son activité agricole, Madame Felicité a une stratégie d'augmenter la surface qu'elle cultive en achetant d'autres champs. Ceci sera possible grâce aux crédits qu'elle va solliciter dans le futur. Elle a l'ambition, après avoir augmenté la surface, de diversifier les produits qu'elle cultive. Pour la famille, elle va continuer d'éduquer ses enfants et va construire une maison residentielle pour sa famille. A part de l'activité financée, Madame Félicité fait l'élévage des chèvres.
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