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Twitezimbere B/ Gsz Group
In this Group: Faustin, Mathieu, Jean Pierre, Justin, Frediane, Antoine, Jean Marie Vianney, Fabien, Moise
Frediane is a Rwandan national and a member of the group TWITEZIMBERE B/ GSZ. He is married and 35 years old, and he has four children. The oldest is 17 years old, and the youngest is 5. Three of his children are going to school.

The proposed use for this loan is to purchase seeds for planting potatoes, as well as to pay for labor. The difficulties he expects for not paying back the loan are poor climatic conditions, crop epidemics, and bad harvests.

The strategy he has for increasing his business is to employ modern agriculture by using chemical fertilizers and manure.

For work, his ambition is to become a major distributor of farm products. For his family, his ambitions are to purchase a sewing machine for his clothing trade and a cow and to ensure his family's well-being.
View original language description ↓
Frediane est de nationalite Rwandaise, et est membre du groupe TWITEZIMBERE B/ GSZ . Elle est marie , elle a 35 ans , elle a 4 enfants. le plus Age a 17 ans et le moins age a 5 ans.parmis ses enfants 3 vonts a l`ecole
l`usage propose pour ce credit est d`acheter les semences pour ses pomme de terre ainsi que payer la main d`oeuvre.
les difficultes qu`elle attend pour le non remboursement de ce credit sont les mauvaises conditions climatiques , Epidemie agricole ainsi que les mauvaises recolte.

les strategie qu`elle a pour accroitre son activite finance sont de faire l`agriculture moderne en utilisant les engrais chimiques et les fumiers.

Pour son affaire, ses ambitions sont de devenir une grande distributrice des produits agricole.
pour sa famille ses ambitions sont d`acheter une machine a coudre pour son metier de couture , d`acheter une vache et d`assurer le bien etre de sa famille.

Additional Information

More information about this loan

This loan is part of Amasezerano Community Banking's Ezukame ("agriculture") program, designed to provide capital to poor farmers in rural Rwanda. ACB invests a higher percentage of its portfolio in agriculture than any other Kiva Field Partner, and is strongly committed to serving the needs of rural borrowers. This type of loan has terms ranging from one to 36 months, with the option to repay in full at the end of the term or in monthly installments.

This flexibility is critical in Rwanda where 85% of the population is employed in agriculture, but many formal financial institutions consider the sector to be too risky to invest. By funding this loan, you are expanding opportunity to farmers with limited options.

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
  • $18,427,025
    Funds lent in using Kiva
  • 632.9
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twitezimbere B/ Gsz Group's $1,425 loan helped a member to purchase potato seeds and to pay for labor.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 15, 2013
Feb 15, 2013
Currency Exchange Loss:
Aug 31, 2013