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C20008 Abishyizehamwe Group
In this Group: Gloriose, Agnes, Marie Josee, Canisius, Jean Bosco, Francine, Cansilde, Regina, Donatha, Clarisse, Beatrice, Daniel, Floride, Gorette
Marie Josee is 30 years old. She is married and has two children aged two and eight. She sells rice. Marie Josee is the leader of this group, which is called "C20008 Abishyizehamwe."

In the photo, she's the one who is sitting down and raising her hand. This is her fourth year in this business, and the hours of her business are from 6:30 a.m. to 1 p.m. weekdays. Marie Josee currently employs two people to help her.

Marie Josee has requested a Kiva loan via Vision Finance Company to expand her agriculture business by buying more fertilizer to cultivate more rice to sell. She will use the profits to save for her future and to reinvest in her business.

Additional Information

More information about this loan

This loan is part of Vision Finance Company's Koramuhinzi ("Farmer, please work") program designed to serve poor entrepreneurs working in agriculture and livestock in rural communities. This type of loan, available to both individuals and groups, is repaid in full at the end of the loan term, allowing borrowers to repay only after crops are harvested or livestock are sold.

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 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
  • 41
    View loans »
    Rwanda Loans Fundraising
  • $13,302,075
    Funds lent in using Kiva
  • 629.5
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of C20008 Abishyizehamwe Group's $1,675 loan helped a member to expand her agriculture business by buying more fertilizer to cultivate more rice to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 16, 2012
Nov 26, 2012
Currency Exchange Loss:
Apr 25, 2014