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Twibumbirehamwe Group
In this Group: Aloys, Emmanuel, Rambert, Theobard, Helene, Alfred*, Marcel, Appolinaire, Narcisse, Euthère
* not pictured
Aloys is part of the group Twibumbirehamwe. He is 78 years old and married, and he has 7 children, from 33 to 50 years old. He has one person to support other than his children. He has three years of secondary education.

Aloys is a rice farmer. This loan cycle is his third one with the microfinance institution ACB. He is going to use the loan to buy some fertilizer and to cover the cost of labor.

His strategy for the growth of his business is to use select seeds. In the next few years, Aloy would like to be the No. 1 farmer in the region. With the profits, he plans on improving his family's well-being.
View original language description ↓
Aloys fait partie du groupe Twibumbirehamwe. Il a 78 ans, il est marie avec 7 enfants de 50 ans à 33 ans. Il a 1 personne en charge autre que ses enfants. Son niveau d’éducation est de 3 ans de secondaire.

Aloys est agriculteur de riz. C’est son troisième cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter des engrais chimique et payer la main d’œuvre.

Sa stratégie pour la croissance de son business est d’utiliser la semence sélectionne. Dans les prochaines années, Aloys voudrait être le premier agriculteur dans sa région. Avec les profits, il prévoit d'améliorer 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
  • 49
    View loans »
    Rwanda Loans Fundraising
  • $15,230,800
    Funds lent in using Kiva
  • 597.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twibumbirehamwe Group's $2,100 loan helped a member to buy fertilizer and to cover the cost of labor.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Apr 4, 2012
Apr 23, 2012
Currency Exchange Loss:
Sep 22, 2012