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Bahombeho Group
In this Group: Diedonné, Martin, Joel, Salatier, Jean Joram, Aloys, Denis
Jean Joram is a member of the Bahombeho group. The name of the group means "Helping one another to live". Jean Joram is 36 years old and married with 3 children aged between 6 months and 5 years, 1 of whom attends school.

Jean Joram has 6 years of primary level education and is a rice farmer. This is his 2nd loan cycle with ACB. He will use his loan to buy chemical fertilizer and pay the manual labourers. His strategy for the growth of his business is to request other loans so that he can increase his agricultural activities.

In the coming years, Jean Joram would like to be one of the best rice producers in his region. He plans to use the profits to pay his children's educational and medical expenses.
Jean Joram fait partie du groupe Bahombeho. Le nom du groupe signifie «Aide l’une à l’autre pour vivre». Il a 36 ans, il est marie avec 3 enfants de 6 mois à 5 ans, dont 1 scolarises. Son niveau d’éducation est de 6 ans de primaire.
Jean Joram est agriculteur de riz. C’est son deuxième 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 de demander d’autres crédits pour augmenter ses activités agricoles. Dans les prochaines années, Jean Joram voudrait être un meilleur producteur de riz dans sa région. Avec les profits, il prévoit de payer les frais scolaire et médicaux pour 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

  • $1,700
    Average annual income
  • 3
    View loans »
    Rwanda Loans Fundraising
  • $15,580,500
    Funds lent in using Kiva
  • 597.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Bahombeho Group's $1,700 loan helped a member to buy chemical fertilizer and pay the manual labourers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Apr 20, 2012
May 9, 2012
Currency Exchange Loss:
Oct 17, 2012