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Duharanire Kwitezimbere / Rsz Group
In this Group: Emmanuel, Pascal, Shadrack, Michel, Fidèle, Philippe, Shadrack, Eugenie*, Monique
* not pictured
Emmanuel is a member of the group loan Duharanire Kwitezimbere/RSZ which means "work hard for your own development". Emmanuel is single and stopped school two years after high school. This is his second loan cycle with ACB. He will use the loan to purchase fertilizer and to pay for the workforce to cultivate rice.
To grow his business, his strategy is to cultivate small space and to harvest large quantity of rice thanks to the use of fertilizers. In the next years, Emmanuel would like to be the best rice farmer in his valley. With the profits, he plans to fulfill his needs.
View original language description ↓
Emmanuel fait partie du groupe Duharanire Kwitezimbere/RSZ. Le nom du groupe signifie « travailler beaucoup pour son propre développement ». Il est célibataire. Son niveau d’éducation est 2 ans de secondaire.

Emmanuel est cultivateur de riz. C’est son deuxième cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter des engrais chimiques et payer la main d’œuvre pour son agriculture de riz.

Sa stratégie pour la croissance de son business est de cultiver peu d’espace et récolter une grande quantité de riz en utilisant des engrais chimiques. Dans les prochaines années, Emmanuel voudrait être le meilleur cultivateur de riz dans sa vallée. Avec les profits, il prévoit de satisfaire ses besoins.

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
  • 38
    View loans »
    Rwanda Loans Fundraising
  • $18,427,025
    Funds lent in using Kiva
  • 590.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Duharanire Kwitezimbere / Rsz Group's $2,125 loan helped a member to purchase fertilizer and to pay the workforce to cultivate rice.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 12, 2011
Sep 16, 2011
Currency Exchange Loss:
Apr 15, 2012