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C 8093 Ntucogore Group
In this Group: Bernard, Eliezel, Monique
Bernard is 26 years old, is married with one child and takes care of two relatives. He owns a construction supply business. Bernard is a leader of this group, which is called "C 8093 NTUCOGORE" in the local language; the name means "Don't give up" in English. In the photo, he's in the middle. He has been in this business for two years and he works from 7 a.m. to 10 p.m. daily, every week. Bernard currently employs one person to help him.

Bernard has requested a Kiva loan via Vision Finance Company to expand his construction supply business by buying various materials for resale. With any profits, he will be able to save for his future, to pay school fees for his children and to reinvest in his business.

Additional Information

About Vision Finance Company s.a – Rwanda (VFC)

Vision Finance Company (VFC) was Kiva's first partner in Rwanda. Established in 1999, VFC is an affiliate of World Vision International. Since its founding, VFC has been committed to alleviating poverty in Rwanda by ensuring that poor people have access to credit to support business initiatives that will improve their life circumstances.

VFC has a broad set of products and services, offering Community Banking services for self-selected groups of 10-30 borrowers, Solidarity Group services for more experienced groups of entrepreneurs, and Individual Loans for customers who already have a small established business. Vision Finance is also among the very few financial institutions targeting farmers and providing agricultural credit options in Rwanda, where access to credit is critical to the success of agricultural enterprises.

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
  • 51
    View loans »
    Rwanda Loans Fundraising
  • $12,343,975
    Funds lent in using Kiva
  • 600.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of C 8093 Ntucogore Group's $1,000 loan helped a member to expand his construction supply business by buying various materials for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 25, 2012
Jun 22, 2012
Currency Exchange Loss:
Dec 15, 2012