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Abajyamugambi Zone 2 Group
In this Group: Sylvestre, Joel, Vedaste, Jean Bosco, Augustin, Theobald, Florien, Jean Baptiste, Leopord, Olivier
Joël is a member of the group "Abajyamugambi Zone 2". He is 25 years old and single. His level of education is 6 years of elementary school.

Joël is a rice farmer. This is his second loan cycle with ACB. He will use his loan to buy chemical fertilizers and pay for labor. To expand his business, his strategy is to increase the loan amount requested to finance his farming activity. In the coming years, Joël would like to be one of the best rice farmers in his region. With the profits, he is planning to build a nice house.
View original language description ↓
Joël fait partie du groupe Abajyamugambi Zone 2. Il a 25 ans, il est célibataire. Son niveau d’éducation est de 6 ans de primaire.
Joël est agriculteur de riz. C’est son deuxième cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter des engrais chimique et payer la main d’œuvre.
Sa stratégie pour la croissance de son business est augmentée le volume de crédit demande pour finance son agriculture. Dans les prochaines années, Joël voudrait être un meilleur producteur de riz dans sa région. Avec les profits, il prévoit de construire une belle maison.

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
  • 42
    View loans »
    Rwanda Loans Fundraising
  • $18,423,625
    Funds lent in using Kiva
  • 597.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Abajyamugambi Zone 2 Group's $2,025 loan helped a member to buy chemical fertilizers and pay for labor.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Apr 11, 2012
Apr 26, 2012
Currency Exchange Loss:
Sep 29, 2012