A loan of $850 helped to buy juice, toothpaste, mayonnaise, potatoes, oil, sugar and other grocery items.


Emmanuel's story

Emmanuel M. owns a grocery store. He has been a client with the microfinance institution ACB since 2011. He is 38 years old, married and the father of four children, aged between 2 months and 11 years, and he takes care of two other people. Two of his children attend school. Emmanuel was born in Rubavu in Rwanda and he studied until fourth grade in secondary school. This is his first loan cycle with ACB. He will use the loan to buy juice, toothpaste, mayonnaise, potatoes, oil, sugar and other retail grocery items. He does not expect any problem to meet the repayment schedule of the loan. His growth strategy for the business is to increase his inventory. He would like to become of wholesaler of groceries in Rubavu, ensure the well-being of his family and have his children educated. To increase his earnings, Emmanuel rents houses for dwelling (70,000 Rwandan francs per month) and a refrigerator (15,000 Rwandan francs).

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Translated from French by Kiva volunteer Robert Mouris



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