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Gratien, who is single and has no children or other dependents, is 22 years old. He was born in Rwanda and went to school until the 3rd year, secondary level. He is employed by a security firm.

He started working with ACB Ltd in 2009 and this is the first time that he is requesting a loan. He will use the loan he receives to buy 10 bags of cement, 10 kgs of nails and 40 metal sheets, and to pay labourers, so that he can rehabilitate his home. Expecting no difficulties in repaying this loan, he aims to build more houses.
Gratien, célibataire sans enfant et sans autre personne en sa charge, est âgé de 22 ans. Il est né au Rwanda et a fréquenté l’école jusqu’en 3ème secondaire.
Il est salarié dans une société de sécurité.
Il a commencé de collaborer avec ACB Ltd en 2009 et c'est sa première fois de demander le prêt.
Avec le crédit lui octroyé, il va acheter 10 kilos des clous,10 sacs de ciments,40 tôles et paiera la main d’œuvre. Ceci pour réhabiliter sa maison d’habitation.
N’attendant aucune difficulté de non remboursement de ce prêt, Monsieur Gratien a l’ambition de bâtir d’autres maisons.

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.

About Rwanda

  • $1,700
    Average annual income
  • 9
    View loans »
    Rwanda Loans Fundraising
  • $15,423,225
    Funds lent in using Kiva
  • 630.9
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Gratien to buy 10 bags of cement, 10 kgs of nails, 40 metal sheets and to pay the labourers.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Jan 11, 2013
Currency Exchange Loss:
Jul 1, 2014