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C4716 Imbaraga Group
In this Group: Clemence, Damascene, Gaetan, Albert, Marceline
Clementine is 40 years old and is married with four children aged between 12 and 24. She is a businesswoman selling goods such as lotions, cooking oil, and sugar. Clementine is also the leader of this group, which is called "Imbaraga" in the local language. This word means "effort" in English. Clementine employs one person to help her and she has one year of experience. She starts her work at 8:00 a.m. and works until 8:00 p.m. every day. She is the second person from the left in the picture, the one who is raising her hand.

Clementine and her group have requested a loan from Kiva lenders via Vision Finance Company in order to expand their businesses by buying more salt, sugar, cooking oil, and so on. Once their businesses have expanded, they hope to satisfy their customers and save for their futures.

Additional Information

More information about this loan

This loan helps low-income entrepreneurs in Rwanda grow their businesses and, ultimately, to support their families. These loans typically serve very poor and rural clients and particularly women, who often lack access to the traditional collateral needed for a loan. VFC serves these entrepreneurs through both individual and group loans and provides them with financial education and tools for them to save money for the future. By supporting this loan, you are helping Rwandan entrepreneurs build the means to support their families and improve their lives.

About Vision Finance Company s.a – Rwanda (VFC)

Vision Finance Company, soon to be known as Vision Fund Rwanda (VFR), is the microfinance subsidiary of World Vision and is one of the largest microfinance institutions serving rural underprivileged communities in Rwanda, many of which do not have access to formal financial services.

VFC serves people and communities that are economically productive but low-income, especially in very rural areas. This includes small business owners and salary earners who are looking for opportunities to provide better lives for their families and a promising future for their children.

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
  • 37
    View loans »
    Rwanda Loans Fundraising
  • $16,926,975
    Funds lent in using Kiva
  • 593.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of C4716 Imbaraga Group's $1,200 loan helped a member to purchase various goods such as lotions, cooking oil, and sugar for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 7, 2011
Aug 2, 2011
Currency Exchange Loss:
Feb 15, 2012