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Inkoramutima Cb Group
In this Group: Albertine, Souzane, Josephine, Megithilde, Esperance, Sarah, Violette, Thancienne*, Thamar, Theopiste, Evariste, Marie Goretti, Thancile, Madeleine, Julienne, Marie Rose, Francine, Berancille, Prudencienne, Jean Bosco*, Valens, Israel
* not pictured
Esperance is 48 years old. She is married, with eight children, ages between 7 and 25. They all go to school.

Esperance leads a group called "Inkoramutima," loosely translated in English as “close friends.” They sell different items, and she has spent 18 years in her business. With the loan, Esperance would like to buy more beer and soda for resale at her pub.

With the profits from the business, she plans to save more.

Additional Information

About Urwego Opportunity Bank of Rwanda (UOB)

Urwego Opportunity Bank (UOB) helps underserved Rwandans by providing its clients with the necessary credit and savings capabilities required for economic transformation. It offers credit products, including group and individual loans, as well as training in business development, financial literacy and health management. UOB loan products leverage social collateral since most group members have little to no collateral.

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
  • 37
    View loans »
    Rwanda Loans Fundraising
  • $18,266,225
    Funds lent in using Kiva
  • 653.6
    Rwanda Francs (RWF) = $1 USD