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Joseph is a farmer merchant. He is married and 35 years old, and he has three children, aged 3 to 5. Two of the children go to school. He was born in Rwanda and has a sixth grade education. This loan cycle is his first one with ACB. Joseph is going to use his loan to buy personal grooming merchandise for resale at his city’s commercial center.

His strategy for the growth of his business is to improve his business activities by buying quality merchandise. As for his ambitions, Joseph would like to become a major merchant in the region and to build a house in which to live for himself and his family, as well as to cover the schooling costs for his children.
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Joseph est un commerçant agriculteur, il est marié, il a 35 ans et il a 3 enfants entre 3 ans et 5 ans et 2 enfants vont à l’ est ne au Rwanda .Il a six ans des études primaire. C’est son premier cycle de prêt avec ACB. Il va utiliser son crédit pour acheter des matériels d’hygiènes pour les revendre au centre commercial de sa ville. Sa stratégie pour la croissance de son business est d’améliorer les activités de commerce en achetant les matériels de la qualité. Pour ses ambition il voudrait devenir un grand commerçant dans la région , il voudrait construire sa propre maison et pour sa famille a usage résidentiel et payer le frais des études pour ses enfants .

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.

About Rwanda

  • $1,700
    Average annual income
  • 41
    View loans »
    Rwanda Loans Fundraising
  • $17,124,425
    Funds lent in using Kiva
  • 593.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Joseph to buy personal grooming items for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 29, 2011
Jul 29, 2011
Currency Exchange Loss:
Jun 15, 2012