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Twisungane Group
In this Group: Thelesphore, Evariste, Jean Damascene, Jean Claude, Cyprien, Jean Claude, Jean, Festus, Evariste, Jean Baptiste
Jean Claude is part of the Twisungane solidarity group which grows corn. He is 27 years old, married and has 2 children, the eldest of whom is 4 years old and the youngest, 2. Neither of his children go to school and he is also responsible for 2 other people. He was born in Rwanda and has 5 years of primary school education. He started working with ACB Ltd in 2008 and is on his 3rd loan cycle. The previous loans have been properly reimbursed.

He will use the current loan to rent a field, buy seeds and pay the labourers. He does not expect to have any difficulty in repaying this loan. In order to increase his agricultural output, his strategy is to use modern farming methods, namely chemical fertilizers. His business ambition is to become a professional farmer. As to his family, he will build his own house and will continue ensure his family's well-being.
Jean Clayde fait partie du groupe solidaire TWISUNGANE qui fait l’agriculture des maïs. Il marié, âgé de 27 ans et a 2 enfants dont le plus âgé a 4 ans et le moins âgé a 2 ans. Aucun de ses enfants ne va à l’école et deux autres personnes sont en sa charge. Il est né au Rwanda et son niveau d’éducation est 5 ans de l’éducation primaire.
Elle a commencé de collaborer avec ACB Ltd en 2008 et est au 3ème cycle de crédit. Les cycles antérieurs sont bien remboursés.
Avec le présent crédit, il va louer le champ, acheter la semence et payer la main d’œuvre. Il n’attend aucune difficulté de non remboursement de ce prêt.
Pour accroitre son agriculture, il a la stratégie de pratiquer l’agriculture moderne en utilisant les engrais chimiques.
L’ambition pour son activité agricole est de devenir l’agriculteur professionnel. Pour sa famille, il va construire sa propre maison 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
  • 35
    View loans »
    Rwanda Loans Fundraising
  • $14,382,325
    Funds lent in using Kiva
  • 633.1
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twisungane Group's $3,100 loan helped a member to rent a field, pay the labourers and buy seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 18, 2013
Feb 19, 2013
Currency Exchange Loss:
Aug 31, 2013