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Umurava Group
In this Group: Alphonsine, Laurence , Domithile , Liliose , Cecile , Clarisse , Beatrice , Rusi , Claudine , Feresite , Angelique , Claudine , Donatha , Gaudance , Vestine *, Julienne , Alphonsine , Clementine , Josiane *, Claudine , Veredianne
* not pictured
Alphonsine is 45 years old and married to a farmer. They have eight children who are between 3 and 22 years old. Alponsine is a group leader of a borrowing group called Umurava CB, which means "Determination" in English.

Alphonsine sells juice locally produced from sorghum and she has been in this business for three years. She has requested this loan to buy more sorghum to produce more liters of local juice to sell. She says that the profits from this business will be used to buy land for cultivation and pay school fees for her children. She dreams of having her own shop in the future.

Additional Information

About Urwego Opportunity Bank of Rwanda (UOB)

Urwego Opportunity Bank (UOB) helps underserved Rwandans by providing its clients with the necessary credit and savings capabilities required for economic transformation. It offers credit products, including group and individual loans, as well as training in business development, financial literacy and health management. UOB loan products leverage social collateral since most group members have little to no collateral.

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
  • 41
    View loans »
    Rwanda Loans Fundraising
  • $18,427,025
    Funds lent in using Kiva
  • 585.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Umurava Group's $3,475 loan helped a member to buy more sorghum to produce more local juice to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 8, 2010
Jan 6, 2011
Currency Exchange Loss:
Apr 26, 2011