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Tuzamurane / Ghng Group
In this Group: Gemima, Soline, Appolonie, Marie Goreth, Jonas
Gemima is part of the group Tuzamurane / Ghng. The group's name means "to encourage". He is 44 years old and married, and he has five children, from 5 to 22 years old, of whom two are in school. He has a 6th grade education.

Gemima is a merchant. This loan cycle is his first one with the microfinance institution ACB. He is going to use his loan to buy beans, corn, sorghum… to resell.

To expand his commerce, he plans to provide quality service to attract customers. In the next few years, he would like to be the distributor of beans. With the profits, he plans on covering the schooling costs for his children.
View original language description ↓
Gemima fait partie du groupe Tuzamurane / Ghng. Le nom du groupe signifie «s’exhorter». Il a 44 ans, il est marie avec 5 enfants de 5 ans à 22 ans, dont 2 scolarises. Son niveau d’éducation est de 6 ans de primaire.
Gemima est commerçant. C’est son premier cycle de prêt avec ACB. Il va utiliser son crédit afin d’acheter des haricots, maïs, sorgho….pour le revendre.
Pour faire croitre commerçant, il planifie de donne le service de qualité pour attirer la clientèle. Dans les prochaines années, il voudrait être le distributeur des haricots. Avec les profits, il prévoit de payer le frais scolaire de 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
  • 27
    View loans »
    Rwanda Loans Fundraising
  • $18,255,125
    Funds lent in using Kiva
  • 605.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Tuzamurane / Ghng Group's $850 loan helped a member to buy beans, corn, sorghum... to resell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 15, 2012
Currency Exchange Loss:
Jan 15, 2013