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Amabengeza Group
In this Group: Josiane, Adelin, Perasie, Joel, Immaculee, Penina, Jacqueline, M.josee, Justine
Josiane D. is a 30-year-old woman who was born in Nyamata, in East Province, Rwanda. She is married and has three children, of whom the youngest is 7 months old, and the oldest is 4 yours old. Two of her children are attending school. Josiane lives with her family in Gisenyi.

Regarding her business, Josiane is a merchant selling foodstuffs, such as rice, beans, oil, sorghum… She has two years of experience in this domain. The loan signed with the micro-finance institution ACB is the second one. The previous one helped her to improve her itinerant business and to pay the rent for her family living in Nyamata.

In the future, she will be able to obtain a much larger loan to increase her sales. Thus, she will be able to buy or to build her own house.
View original language description ↓
Josiane D. est une femme de 30 ans, née à Nyamata, province de l’Est du Rwanda. Elle est mariée et à trois enfants, le moins âgée a 7 mois et le plus âgée à 4 ans, 2 parmi ses enfants sont allé à l’école. Josiane avec sa famille habite Gisenyi.

Concernant son activité, elle est commerçante des produits alimentaires comme riz, haricot, huile, sorgho,…. elle a une expérience de 2 ans dans ce domaine.
Le crédit contracté avec ACB est le deuxième, le précédent lui a aide d’ameliorer son business de commerce ambulant et payer le loyer pour sa famille qui habite a Nyamata
Dans l’avenir, elle pourra avoir un nouveau prêt bien d’un gros montant pour augmenter son chiffre d’affaires ainsi elle pourra acheter ou bâtit sa propre maison.

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.

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
  • 44
    View loans »
    Rwanda Loans Fundraising
  • $18,423,625
    Funds lent in using Kiva
  • 589.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Amabengeza Group's $3,425 loan helped a member buying beans, rice, sorghum for retail sale in her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 27, 2010
Jul 29, 2010
Currency Exchange Loss:
Dec 15, 2010