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Jyambere Munyarwandakazi/rgrr Group
In this Group: Rachel, Liberathe, Marie Chantal, Germain, Marie Louise, Josée, Jacqueline, Vestine
Jacqueline is a member of the solidarity group JYAMBERE MUNYARWANDAKAZI/RGRR who farms corn. She's 39 years old, married, and has seven children. The eldest is 22, and the youngest is ten. Four of her children attend school, and she doesn't have any additional person in her care.

Jacqueline was born in Rwanda, and never attended school. She started her collaboration with Kiva's partner, ACB Ltd, in 2011 and she's seeking her first loan, which she will use to rent a field, pay for labor, and buy seeds.

Mrs. Jacqueline only anticipates one difficulty that could impact the reimbursement of her loan : a poor harvest. Her strategy to grow her business is to use chemical fertilizers. Her ambition for her farming business is to own her own field.

Concerning her family, she ambitions to educate her children and ensure the well-being of her family. In addition to farming, she also retails various items.
View original language description ↓
Jacqueline fait partie du groupe solidaire JYAMBERE MUNYARWANDAKAZI/RGRR qui fait l’agriculture des maïs. Elle est mariée, âgée de 39 ans et a 7 enfants dont le plus âgé a 22 ans et le moins âgé a 10 ans. Quatre de ses enfants vont à l’école et aucune autre personne n’est en sa charge.
Elle n’est au Rwanda et n’a aucun niveau d’éducation.
Elle a commencé de collaborer avec ACB Ltd en 2011 et est au premier cycle de crédit.
Avec le crédit demandé, elle va louer un champ, payer la main d’œuvre et acheter la semence.
La seule difficulté qui peut faire que ce prêt soit mal remboursé qu'anticipe Madama Jacqueline est la mauvaise récolte.
Pour accroitre son activité, elle a la stratégie d’utiliser les engrais chimiques. L’ambition pour son activité agricole est d’avoir son propre champ. Pour sa famille, elle a l’ambition d’éduquer ses enfants et assurer le bien être de sa famille.
A part de l’agriculture elle fait aussi le commerce de divers objets en détailles.

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
  • 12
    View loans »
    Rwanda Loans Fundraising
  • $15,423,225
    Funds lent in using Kiva
  • 625.1
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Jyambere Munyarwandakazi/rgrr Group's $1,300 loan helped a member to rent a field, pay for labor, and buy seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 16, 2013
Feb 18, 2013
Currency Exchange Loss:
Nov 8, 2013