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Twisungane N0 22/rsz Group
In this Group: Joseph, Gratien, Cassien, Joel, Marc Audence, Daniel, Noah*, Vincent, Enock, Anastasie, Jean Claude, Rebecca, Zephanie
* not pictured
Gratien belongs to the Twisungane no 22/Rsz group. The name means "let's come together". He is 42 years old and married, with five children between 1 and 13 years old, four of whom are in school. His education level is six years of primary school.

Gratien grows rice. This is his second loan cycle with ACB. He will use his loan to buy chemical fertilizers for his rice cultivation.

His strategy for the growth of his business is to use selected seeds. Within the next few years, Gratien would like to be the local supplier. With his profits, he plans to educate and care for his children.
Gratien fait partie du groupe Twisungane no 22/Rsz. Le nom du groupe signifie «Mettons nous ensemble». Il a 42 ans et il est marié avec 5 enfants de 1 à 13 ans, dont 4 scolarisés. Son niveau d’éducation est de 6 ans de primaire.

Gratien est cultivateur de riz. C’est son deuxième cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter des engrais chimiques pour son agriculture de riz.

Sa stratégie pour la croissance de son business est de faire les semences sélectionnée. Dans les prochaines années, Gratien voudrait être le fournisseur dans sa région. Avec les profits, il prévoit d’éduquer et soigner 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.

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
  • 39
    View loans »
    Rwanda Loans Fundraising
  • $18,427,025
    Funds lent in using Kiva
  • 593.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twisungane N0 22/rsz Group's $2,200 loan helped a member to buy chemical fertilizer for rice farming.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
At end of term
Oct 23, 2011
Nov 4, 2011
Currency Exchange Loss:
May 16, 2012