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C2349 Umoja Group
In this Group: Marie Rose, Adriya, Delphine, Seraphine, Francine
Francine is 36 years old and is married with five children aged between 3 and 13 years. Her husband works as a businessman; they both work hard for their family.

Francine is the leader of this group which is called Umoja in the Swahili language; this group contains five members and all of them own the small shop which sells various products. Francine has an experience of two years in her business of selling rice, salt, bananas, juice, soda, and a traditional soft drink made from sorghum which called ubushera in the local language.

Francine and her group are requesting a loan from Kiva lenders via Vision Finance Company for the purpose of growing their business which will allow them to get ahead. With this loan Francine hopes to change her family situation through providing all the basic needs of her family.

Additional Information

More information about this loan

This loan helps low-income entrepreneurs in Rwanda grow their businesses and, ultimately, to support their families. These loans typically serve very poor and rural clients and particularly women, who often lack access to the traditional collateral needed for a loan. VFC serves these entrepreneurs through both individual and group loans and provides them with financial education and tools for them to save money for the future. By supporting this loan, you are helping Rwandan entrepreneurs build the means to support their families and improve their lives.

About VisionFund Rwanda

VisionFund Rwanda (VFR), is the microfinance subsidiary of World Vision and is one of the largest microfinance institutions serving rural underprivileged communities in Rwanda, many of which do not have access to formal financial services.

VFR serves people and communities that are economically productive but low-income, especially in very rural areas. This includes small business owners and salary earners who are looking for opportunities to provide better lives for their families and a promising future for their children.

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
  • 38
    View loans »
    Rwanda Loans Fundraising
  • $18,427,025
    Funds lent in using Kiva
  • 574.5
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of C2349 Umoja Group's $875 loan helped a member to invest in expanding her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 16, 2010
Mar 25, 2010
Currency Exchange Loss:
Oct 16, 2010