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Twitezimbere/ Shr Group
In this Group: Antoinette, Vincent, Chantal, Claude, Etienne, Gaudence , Olivier, Faustin, Gaspard

Update on Twitezimbere/ Shr Group

Antoinette is a member and the president of the Twitezimbere /Shr group. The name of the group means "developing our activities". She is 33 years old, married, and has two children, ages 6 and 11, who both attend school. In addition to her children, she has another person in her care. Antoinette's level of education is six years of primary school.

Antoinette is a rice farmer. This is her second loan cycle with ACB. According to her, her previous loan really helped her rice farming business, and she is not expecting any repayment difficulty for this current loan. She will use her loan to buy some fertilizers and to pay for the cost of labor for her rice growing business.

In order to boost her farming business, Antoinette is planning to request additional loans, which will help her to increase her rice growing capacities. In the coming years, she would like to be the best rice producer in her region. She is planning to use her profits to pay for her children's school fees and healthcare costs.
View original language description ↓
Antoinette est le membre et la présidente du groupe Twitezimbere /Shr . Le nom du groupe signifie «se développer».Elle a 33 ans et elle est mariée avec 2 enfants de 6 ans à 11 ans, dont 2 scolarisés. Elle a 1 personne en charge autres que ses enfants. Son niveau d’éducation est de 6 ans de primaire.

Antoinette est cultivatrice de riz. C’est son deuxième cycle de prêt avec ACB et elle dit que le crédit antérieur a aidé ses activités de l’agriculture de riz beaucoup et elle n’a pas attendue aucunes difficultés de non remboursement du crédit. Elle va utiliser son crédit afin d’acheter des fertilisants et payer la main d’œuvre pour son activité d’agriculture de riz.

Pour accroitre son agriculture du riz, elle planifie de demander d’autres prêt pour augmenter la capacité de ses activités de la culture de riz. Dans les prochaines années, elle voudrait être le meilleur producteur de riz dans la région. Avec les profits, elle prévoit de payer le frais scolaire et médicaux de ses enfants.

Previous Loan Details

Antoinette is a member of the Twitezimbere/Shr group. The name of this group means «developing our activities». She is 33, married, and the mother of a 5-year-old child who goes to school. In addition to her children, she has one more dependent person. Her education level is 6 years of primary… More from Twitezimbere/ Shr Group's previous loan »

Additional Information

More information about this loan

This loan is part of Amasezerano Community Banking's Ezukame ("agriculture") program, designed to provide capital to poor farmers in rural Rwanda. ACB invests a higher percentage of its portfolio in agriculture than any other Kiva Field Partner, and is strongly committed to serving the needs of rural borrowers. This type of loan has terms ranging from one to 36 months, with the option to repay in full at the end of the term or in monthly installments.

This flexibility is critical in Rwanda where 85% of the population is employed in agriculture, but many formal financial institutions consider the sector to be too risky to invest. By funding this loan, you are expanding opportunity to farmers with limited options.

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 49
    View loans »
    Rwanda Loans Fundraising
  • $12,343,975
    Funds lent in using Kiva
  • 605.0
    Rwanda Francs (RWF) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Twitezimbere/ Shr Group's $2,150 loan helped a member to buy fertilizers and to pay for the cost of labor.
99% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 5, 2012
Sep 19, 2012
Currency Exchange Loss:
Jul 1, 2014