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Byiringiro/rwaza Group
In this Group: Marie Louise, Norbert, Françoise, Josephine, Regine, Clenie, Marthe
REGINE is member of the group IBYIRINGIRO. She is married and has three children. The oldest is 21 years old, and the youngest is 13. All three of the children go to school. She is 42 years old.

She is requesting this loan to lease fields to cultivate, purchase some chemical fertilizers, and pay for labor. She expects no difficulties at all in repaying this loan. Her strategy for increasing her business is to modernize her farming by using chemical fertilizers. Her ambition is to become a professional farmer, and for her family, to ensure their well-being.
View original language description ↓
REGINE est membre du groupe IBYIRINGIRO , elle est marié et a 3 enfants le plus agé a 21 ans et le moins agé a 13 ans. ses 3 enfants vont tous à l`école. elle est agé de 42 ans.

elle sollicite cet emprunt pour louer les champs à cultiver, acheter les angrais chimiques et payer le main d`oeuvre.
elle n`attend aucun difficultes pour rembourser ce crédit.
sa stratégie pour accroitre son activité est de moderniser son agriculture en utilisant les angrais chimiques.
ses ambition est de dévenir l`agriculteur proffessionnelle.
et pour sa famille c`est le bien être.

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
  • 38
    View loans »
    Rwanda Loans Fundraising
  • $18,427,025
    Funds lent in using Kiva
  • 633.8
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A portion of Byiringiro/rwaza Group's $1,125 loan helped a member to lease field to cultivate.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Feb 6, 2013
Feb 26, 2013
Currency Exchange Loss:
Nov 8, 2013