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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 helps support farmers in rural communities in Rwanda. The loan, which is 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. About 85% of Rwandans are employed in agriculture, but many formal financial institutions consider the sector to be too risky. VFC is one of very few financial institutions serving farmers and offering agricultural products that work with local harvest cycles. VFC also offers training on increasing crop yield and helps farming cooperatives access better agricultural inputs. By supporting this loan, you are helping rural Rwandan farmers improve their crop yield and ability to support their families.

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

Vision Finance Company, soon to be known as Vision Fund Rwanda (VFR), is the microfinance subsidiary of World Vision and is one of the largest microfinance institutions serving rural underprivileged communities in Rwanda, many of which do not have access to formal financial services.

VFC serves people and communities that are economically productive but low-income, especially in very rural areas. This includes small business owners and salary earners who are looking for opportunities to provide better lives for their families and a promising future for their children.

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
  • 9
    View loans »
    Rwanda Loans Fundraising
  • $15,423,225
    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