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Twisungane No22 Group
In this Group: Albertine, Valerie, Josephine, Peruth, Emerance, Stiven, Alphonsine, Eline, Agathe, Anastasie*, Belancille, Christine
* not pictured
Gratien is a client from ACB since 2011. He is a member of Twisungane #22 group. He was born in Rwanda and has primary education. He is married, with five children from 13 to 9 years of age, four of whom are in school. This is his first loan cycle. Gratien will use his loan for rice farming: buying insecticides and paying for manual labor. His strategy is to increase his cultivated land and to use fertilizers to increase his agricultural production. In the future, he would like to be able to finance his business and provide for his children’s education through university level, and also to have electricity in his house. Gratien also raises small farm animals.
View original language description ↓
Gratien est client d’ACB depuis 2011, il est membre du groupe Twisungane no 22, il est né au Rwanda, son éducation est primaire, il est marié, il a 5 enfants entre 13 et 9 ans, 4 de ses enfants vont à l’école. C’est son premier cycle de prêt, Gratien va utiliser le prêt pour l’agriculture de riz, en achetant les insecticides et paiement de main d’œuvre. Sa stratégie est d’augmenter la surface à cultiver et l’utilisation des felitilisants pour augmenter la production agricole. Dans l’avenir, il veut être capable de s’autofinancer et éduquer ses enfants jusqu'à l’université et avoir l’électricité dans sa maison. Gratien est aussi éleveur des petits bétails.

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
  • 42
    View loans »
    Rwanda Loans Fundraising
  • $18,427,025
    Funds lent in using Kiva
  • 592.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twisungane No22 Group's $1,825 loan helped a member to buy fertilizers and pay for manual labor.
100% repaid
Repayment Term
2 months (Additional Information)
Repayment Schedule
At end of term
May 20, 2011
May 26, 2011
Currency Exchange Loss:
Aug 15, 2011