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Twitezimbere Bahinzi /kzr Group
In this Group: Virginie, Josephine, Emmanuel, Aloys, Francine, Dathive, Florantine
Emmanuel is a rice farmer. He belongs to the joint-liability association called Twitezimbere Bahinzi /kzr Group. He is married and is 35 years old. Emmanuel has four children, the eldest of whom is 12 years old and the youngest of whom is nine. Two of his children currently attend school. He has no additional dependents other than his four children. He was born in Rwanda and has had five years of primary education.

Emmanuel began working with ACB Ltd in 2012 and is on his second loan cycle. His first loan has been fully repaid. With his present loan, Emmanuel plans to purchase 80 kilos of chemical fertilizers, and to pay for the labor required to work his rice field. As he does not expect to have any problems with repayment, Emmanuel's planning strategy is to cultivate in a timely manner, and to use good quality seeds. This will maximize his agricultural yields. His ambition is to become the largest rice grower in the region. For his family, Emmanuel plans to educate his children to the university level.
View original language description ↓
Emmanuel est l’agriculteur du riz. Il fait partie du groupe solidaire appelé TWITEZIMBERE BAHINZI /KZR. Il est marié et a 35 ans. Il a 4 enfants dont le plus âgé a 12 ans et le moins âgé a 9 ans. Deux de ses enfants vont à l’école. Il n’a aucune autre personne en sa charge. Il est né au Rwanda et a 5 ans de l’école primaire.
Il a commencé de collaborer avec ACB Ltd en 2012 et il est au deuxième cycle crédit. Le premier crédit est remboursé sans retard.
Avec le présent crédit, il va acheter 80 kilos des engrais chimiques et la partie restant paiera la main d’œuvre.
N’attendant aucune difficulté de non remboursement, Monsieur Emmanuel envisage la stratégie de cultiver à temps en utilisant les bonnes semences. Ceci accroitra son activité agricole.
Son ambition est de devenir le grand cultivateur du riz dans la région. Pour sa famille, il va éduquer les enfants jusqu’au niveau universitaire.

Additional Information

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.

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
  • 14
    View loans »
    Rwanda Loans Fundraising
  • $15,580,500
    Funds lent in using Kiva
  • 629.5
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twitezimbere Bahinzi /kzr Group's $1,675 loan helped a member to purchase 80 kilos of chemical fertilizers, and to pay for the labor required to work his rice field.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Nov 8, 2012
Nov 28, 2012
Currency Exchange Loss:
Jul 1, 2014