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Thérèse, age 48, was born in Rwanda. She's married and has two children, aged 33 to 35, out of whom four attended school. Her own level of education amounts to two years of middle school.

Thérèse is a merchant who is seeking her first loan from Kiva's partner, ACB. She will use it to buy charcoal wholesale and to pay for its transportation. She will then resell it on local markets.

Her strategy for growing her business is to distribute quality charcoal in her region. In the forthcoming years, Thérèse would like to become a large charcoal distributor in her region.

With her profits, she intends to send her children to school, improve her family's well-being, and build a house for her family.
View original language description ↓
Thérèse est née au Rwanda. Elle a 48 ans et elle est mariée avec 4 enfants de 7 à 19 ans,dont tous 4 sont scolarisés. Son niveau d’éducation est de 2 ans de secondaire.

Thérèse est commerçante. C’est son premier cycle de prêt avec ACB. Elle va utiliser son crédit afin d’acheter en gros des charbons des bois pour les revendre dans les marchés locale et payer le transport de ces charbons.

Sa stratégie pour la croissance de son business est de distribuer des charbons de qualité dans sa région. Dans les prochaines années, Thérèse voudrait être une grande distributrice de charbon dans sa région. Avec les profits, elle prévoit de scolariser ses enfants, améliore le bien être de sa famille et construire une maison pour sa famille.

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
  • $18,427,025
    Funds lent in using Kiva
  • 595.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Thérèse to buy charcoal wholesale and pay for its transporation.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 12, 2012
Feb 1, 2012
Currency Exchange Loss:
May 17, 2013