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Abesamihigo/ Nybshnj Group
In this Group: Emmanuel, Marie, Annonciathe, Eva, Gabriel, Philemon, Private, James, Bérnard*, Alexandre*
* not pictured

Update on Abesamihigo/ Nybshnj Group

Private is part of the Abesamihigo/Nybshnj group, the name of which means “performers”. He is 65 years of age, married, and has seven children. His children are aged between 15 and 43, and three of them are at school. He has a further three people under his care.

Private has six years of elementary school education, and he works as a rice farmer. This is his first loan cycle with ACB, and he plans to use his loan to buy chemical fertilizers for his rice-growing business. To increase his rice crops, he plans to use fertilizers and farm machinery to expand production. Over the coming years, Private would like to become a large rice seller in his area. With his profits, he wants to educate and care for his children, as well as to build a nice house.
View original language description ↓
Private fait partie du groupe Abesamihigo/ Nybshnj. Le nom du groupe signifie « performers ». Il a 65 ans et il est marié avec 7 enfants de 15 à 43 ans, dont 3 scolarisés. Il a 3 personnes en charge autre que ses enfants. Son niveau d’éducation est 6 ans de primaire.

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

Pour faire croitre son agriculture des riz, il planifie d’utiliser des fertilisants et machines agricoles pour augmenter la production. Dans les prochaines années, Private voudrait être un grand vendeur de riz dans son district. Avec les profits, il prévoit d’éduquer, soigner ses enfants et construire une belle maison.

Previous Loan Details

Private is part of the group Abesamihigo/Nyabishunju. The group's name means "performers." He is 64 years old and is married with seven children between the ages of 14 and 42, three of whom are in school. His education level is six years of elementary school. Private is a rice farmer. This is... More from Abesamihigo/ Nybshnj Group's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 605.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Abesamihigo/ Nybshnj Group's $1,525 loan helped a member to buy chemical fertilizers for his rice farming business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 15, 2012
Aug 22, 2012
Currency Exchange Loss:
May 8, 2013