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Twiyubake Rhh Group
In this Group: Alice, Jeanne, Jeanne, Jeanne
Jeanne is a member of the Twiyubake Rhh solidarity group, which grows cassava. She is 40 years old, married and has 5 children, the eldest of whom is 22 years old and the youngest, 11. Five of her children go to school and she is responsible for no other people. She was born in Rwanda and has 6 years of primary school education. She started working with ACB Ltd in 2012 and is on her 3rd loan cycle. The previous loans were correctly reimbursed.

With this current loan, she will buy seeds and chemical fertilizers and pay the labourers. She does not expect to have any difficulties repaying this loan. Her strategy to increase her agricultural output is to improve her farming business by modernising her farming techniques. Her business ambition is to become the main distributor of cassava in her region. As far as her family is concerned, her aim is to cover her children's medical and education expenses.
Jeanne fait partie du groupe solidaire TWIYUBAKE RHH qui fait l’agriculture des maniocs. Elle est mariée, âgée de 40 ans et a 5 enfants dont le plus âgé a 22 ans et le moins âgé a 11 ans. Cinq de ses enfants vont à l’école et aucune autre personne n’est en sa charge. Elle est née au Rwanda et son niveau d’éducation est 6 ans de l’école primaire.
Elle a commencé de collaborer avec ACB Ltd en 2012 et est au 3ème cycle de crédit. Les cycles antérieurs sont bien remboursés.
Avec le présent crédit, elle va acheter la semence, les engrais chimiques et payer la main d’œuvre. Elle n’attend aucune difficulté de non remboursement de ce prêt.
Pour accroitre son agriculture, elle a la stratégie d’améliorer son activité en la modernisant.
L’ambition pour son activité agricole est de devenir la distributrice des maniocs dans sa région. Pour sa famille, elle a l’ambition d’assurer les frais médicaux et les frais scolaires de ses enfants.

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
  • 30
    View loans »
    Rwanda Loans Fundraising
  • $18,266,225
    Funds lent in using Kiva
  • 625.2
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Twiyubake Rhh Group's $1,200 loan helped a member to buy seeds and chemical fertilizers and pay the labourers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 23, 2013
Feb 19, 2013
Currency Exchange Loss:
Aug 31, 2013