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Twongere Umusaruro /rbv Group
In this Group: Zacharie, Fabien, Peruth, Jean D'amour, Esdras, Apollinaire, Fidèle, Immaculee, Angelique
Esdras is part of the Twongere Umusaruro group, the name of which means “increase the harvest” or “expand the harvest”. He is 48 years of age, and is married with eight children aged between two and 27 years of age. In addition to his children, he also has another person under his care. He studied three years of high school.

Esdras grows corn. This is his third loan cycle with ACB, and he plans to use his loan to buy 35 kilos of corn seed and 250 kilos of chemical fertilizers, as well as to pay labor expenses.

To increase his corn production, Esdras plans to buy other fields to grow more produce and increase the amount of corn he sows. Over the coming years he wants to become a successful corn grower in his region, and with his profits he wants to build a house for residential use.
View original language description ↓
Esdras fait partie du groupe Twongere Umusaruro. Le nom du groupe signifie «Accroître la récolte ou Amplifier la récolte ». Il a 48 ans, il est marie avec 8 enfants de 2 ans à 27 ans.Il a 1 personne en charge
autres que ses enfants .Son niveau d’éducation est de 3 ans de secondaire.

Esdras est agriculteur maïs. C’est son troisième cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter 35 kgs des semences de maïs, 250 kgs des engrais chimique et payer la main d’œuvre.

Pour faire croitre son agriculture de maïs, il planifie d’acheter d’autres champs pour agrandir l’étendu de son agriculture et augmenter la quantité des semences. Dans les prochaines années, il voudrait être un grand agriculteur des maïs dans la région. Avec les profits, il prévoit de bâtir une maison à usage résidentiel.

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
  • 43
    View loans »
    Rwanda Loans Fundraising
  • $18,416,825
    Funds lent in using Kiva
  • 597.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twongere Umusaruro /rbv Group's $2,525 loan helped a member to buy 35 kilos of corn seeds and 250 kilos of chemical fertilizers, and to pay labor costs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 4, 2012
Jun 19, 2012
Currency Exchange Loss:
May 17, 2013