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C18540 Urugwiro Group
In this Group: Augustin, Immaculee, Clementine, Dativa, Vestine, Angelique, Francoise, Samuel
Vestine is 56 years old, married, the mother of two children between 14 years and 17 years old and the caretaker of one 12-year-old relative.

Vestine is a leader of a group called "C18540 URUGWIRO" in the local language. In the photo, she's the one sitting in front of the others. She works from 7 a.m to 9 p.m daily except on Sunday. She sells various goods such as bananas, beans, potatoes and maize; Vestine has 15 years of experience in this work and she currently employs one person to help her.

Vestine has requested a Kiva loan via Vision Finance Company in order to buy various food items such as beans, potatoes and bananas for resell. With the profits, she will be able to save money for her future and reinvest in her 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
  • 62
    View loans »
    Rwanda Loans Fundraising
  • $12,393,100
    Funds lent in using Kiva
  • 597.0
    Rwanda Francs (RWF) = $1 USD