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Urumuli (Rbv) Group
In this Group: Consolee, Elie, Damarce, Beathe, Bernadette, Laurent, Therese, Florence, Immaculee, Chantal
Beathe is a member of the Urumuli (Rbv) group, which grows corn. She is 32 years old, married and the mother of 4 children, the eldest of whom is 8 years old and the youngest, 3. Three of her children go to school and she is responsible for no other people. She was born in Rwanda and has 6 years of primary level education. She started to work with ACB Ltd in 2012 and is on her 4th loan cycle. The previous loans have been properly reimbursed.

She will use her current loan to rent a field, buy seeds and pay the labourers. She does not expect to have any difficulties in repaying this loan. Her strategy is to use modern farming methods in order to increase her agricultural productivity, and she will look for markets for her produce in secondary schools. Her business aim is to buy her own field. Concerning her family, she will make sure her children are educated to university level and she will continue to ensure her family's well-being.
Beathe fait partie du groupe solidaire URUMULI (Rbv) qui fait l’agriculture des maïs. Elle marié, âgé de 32 ans et a 4 enfants dont le plus âgé a 8 ans et le moins âgé a 3 ans. Trois de ses enfants vont à l’école et aucune autre personne n’est en sa charge. Elle est née au Rwanda et son niveau d’éducation est 6 ans de l’éducation primaire.
Elle a commencé de collaborer avec ACB Ltd en 2012 et est au 4ème cycle de crédit. Les cycles antérieurs sont bien remboursés.
Avec le présent crédit, elle va louer le champ, acheter la semence et payer la main d’œuvre. Elle n’attend aucune difficulté de non remboursement de ce prêt.
Pour accroitre son agriculture, elle a la stratégie de pratiquer l’agriculture moderne et va chercher les marchés de sa récolte aux écoles secondaires.
L’ambition pour son activité agricole est d’acheter son propre champ. Pour sa famille, elle va éduquer ses enfants jusqu’à l’université et continuera d’assurer le bien être de sa famille.

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
  • 47
    View loans »
    Rwanda Loans Fundraising
  • $15,329,275
    Funds lent in using Kiva
  • 633.1
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Urumuli (Rbv) Group's $2,700 loan helped a member to rent a field, buy seeds and pay the labourers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 17, 2013
Feb 19, 2013
Currency Exchange Loss:
Aug 31, 2013