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Abahujimbaraga A Group
In this Group: Odette, Therese, Bosco, Liberatha, Augustin, Straton, Cecile, Concesa*, Francine , Emmanuel*, Fabien, Théoneste , Donathira, Callixte*, Marie, Anastase, Gaetan, Domitile
* not pictured
Théoneste Ndayambaje was born in Ruhuha, in Eastern Rwanda. He is 30 years old and married with three children. The eldest is 8 years old, and the youngest is 5. He attended primary school. He and his family live in Ruhuha-Bugesera. One of the children goes to school.

He is a member of ABAHUJUMUTIMA A, a solidarity group of rice farmers who guarantee each other’s loans. Théoneste and his group work to support their families, to improve their living conditions, and to pay for the children’s tuition fees.

The group took out a loan with Amasezerano Community Banking to buy the chemical fertilizers needed for their fields. After the harvest, part of the crop will be sold, and another portion will be used to support the members’ families.
Ndayambaje Theoneste, née à Ruhuha l’Est du Rwanda, il a 30 ans, il est marié et il a 3 enfants, son ainé a 8 ans et son cadet a 5 ans, son niveau d’étude est primaire. Il vit avec sa famille à Ruhuha Bugesera. 1 enfant va à l’école.
Il appartient dans un groupe solidaire appelé ABAHUJUMUTIMA A cultivateurs de riz, qui est un groupe dont les membres sont agriculteurs de riz et ils se garantissent mutuellement, Theoneste et son groupe travaillent pour faire vivre leurs familles en améliorant leurs conditions de vie et en payant les minervals pour leurs enfants. Le groupe a contracté un prêt au sein d’Amasezerano Community Banking pour acheter les engrais chimique pour felitiliser leur champ. Quand le groupe récolte, une partie de la récolte est vendue et une autre est utilisée pour la survie des familles des membres.

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
  • 43
    View loans »
    Rwanda Loans Fundraising
  • $18,416,825
    Funds lent in using Kiva
  • 584.8
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Abahujimbaraga A Group's $1,375 loan helped a member to buy urea and N.P.K, and to pay for labor.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Aug 30, 2010
Sep 24, 2010
Currency Exchange Loss:
Apr 15, 2011