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Twitekumurimo Gtmb Group
In this Group: Patrick, Zachée, Ildebrande, Pascasie, Janvière, Zacharie
Patrick is a member of the TWITEKUMURIMO GTMB solidarity group. He is a rice farmer. He is 45 years old, married, and doesn't have any children. He does not have any further dependents. He was born in Rwanda and completed 6 years of elementary school.

Patrick joined ACB Ltd in 2012. This is his first loan cycle.

Patrick will use this loan to buy 100 kilos of chemical fertilizers and to pay workers. He does not foresee any difficulties in repaying his loan. He plans to request further loans in the future in order to grow his farming business. His business goal is to become the best rice grower in the country and his personal goal is to build a brick house.
View original language description ↓
Monsieur Patrick est membre du groupe solidaire TWITEKUMURIMO GTMB. Il fait l’agriculture du riz. Il est marié et a 45 ans. Il n’a pas d’enfant et aucune autre personne n’est en sa charge. Il est né au Rwanda et son niveau d’éducation est 6 ans de l’école primaire.
Il a adhéré à ACB Ltd en 2012. Il est au premier cycle de crédit.
Avec ce crédit, il va acheter 100 kilos d’engrais chimiques et paiera la main d’œuvre.
Il n’attend aucune difficulté de non remboursement de ce prêt.
La demande d’autres prêts dans le futur constitue sa stratégie qui va lui permettre d’accroitre son activité agricole.
Pour son activité financée, il a l’ambition d’être le meilleur cultivateur du riz dans le pays.
Pour sa famille, il va construire une maison en briques.

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.

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
  • 59
    View loans »
    Rwanda Loans Fundraising
  • $15,230,800
    Funds lent in using Kiva
  • 629.7
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twitekumurimo Gtmb Group's $975 loan helped a member to buy 100kg of chemical fertilizers and to pay workers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Nov 8, 2012
Nov 30, 2012
Currency Exchange Loss:
May 21, 2013