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Ubwuzuzanye Group
In this Group: Ezekiel, Seth*, Clarisse, Alphonsine, Clementine, Antoinette, Marie, Odette*, Felicite, Vestine, Odette, Anathalie, Claudine, Olive, Josephine*, Christine, Triphonie*, Louise, Violette, Rose, Phenias, Veredianne
* not pictured
Vestine is 43 years old and married with children. Her husband is a businessman. For the past ten years she has sold beans and rice.

Vestine is the leader for the group called Ubwuzuzanye, which in Kinyarwandan means “Togetherness.” Group members sell different items and own a variety of stores. She and her group have requested a 3,340,000 RWF loan from UOB.

In Vestine’s case, she will use her share of the loan to buy more beans and rice to sell. With the profits from her sales she will pay school fees for the children and put away some savings.

Additional Information

About Urwego Opportunity Bank of Rwanda (UOB)

Urwego Opportunity Bank (UOB) is a Rwandan bank specializing in microfinance. It offers credit products to individuals and groups interested in starting or expanding their businesses. It also offers training in business development, financial literacy and health management. Given that approximately 90% of the Rwandan population is directly or indirectly related to the agricultural sector, Kiva lenders’ funds will be used to support UOB’s agricultural loan products, which are vital to the clients living in remote areas.

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
  • 50
    View loans »
    Rwanda Loans Fundraising
  • $15,329,275
    Funds lent in using Kiva
  • 597.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Ubwuzuzanye Group's $5,600 loan helped a member to buy more beans and rice to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 16, 2012
Jun 12, 2012
Currency Exchange Loss:
Oct 15, 2012