This is Nyiramahoro Monica From Umurava group based in Karembure cell,Gahanga Sector Kicukiro district she is 24 years old .she said that before joining the Vsl group she was selling chalcoal but the investment was 3000rwf she wasn’t able to pay like health insurance but after joining the VSL group she can survive now because she increased the capital . Initially she started with a loan of 5000 frw , after one month her capital increased to 12000frw immediately after two months the capital increased to 40.000 rwf after that the business started expanding as capital increasing, now she has loan of 70000frw her vision is to become wholesaler and rent a big house before closing this cycle
NIYONSENGA Rose born in 1991 has only one child, she was a street vendor selling clothes of low quality with a capital of only ten thousand (10000frw). After joining VSL group she got a loan of twenty thousand 20000frw and immediately she moved from clothes to shoes but of low quality (Taiwan) on the street which boosts her saving per week. After two month she paid and get another loan of 40000frw and she started selling shoes of high quality (Chinese) and she decided to shift from street to her resident because it is near the main road, this decision helped her to care for her family. Now she has a loan of 70000frw still doing the same business, she has opened her own saving account and has a capacity of covering the budget of basic need at home. She is still has a target of owning a plot at the nearest market immediately after share out of this phase and to buy a plot of land at her home village and build a medium house.
Tuyishime Leonille is a 18 year old girl, a member of groups VSLAs IMBARUTSO, of Gakenke District, Gashenyi Sector, Bushita Cell who dropped out after completing the core due to lack of school fees. Before being a member of VSLA group she tells us that , "I was trading pea but I was very ashamed because I had only a capital of 5000 Rwf I was using in the street and it was impossible finding the capital, but after joining the VSLA am no longer ashamed because for the first time I took a loan of 20000frws , the second time a loan of 40000frws and the third time a loan of 60,000 Rwf and today I am the member of "Terimbere MUCURUZI W'AMASHAZA" cooperative which pleased me because I am in a covered market with my 300,000 Rwf I can show you on my account .My goal in the future is to have a large store of food products, and today I am proud.
a member of AHEZA group , Rulindo District, Bushoki Sector Gasiza Cell, before joining VSLA group I was a hairdresser in a small hair salon in Gasiza and it was very difficult for me to find at least 2000 Rwf per week . It's been eight months that I had passed the examinations for a driving license category A, but I missed the money to withdraw the permit and by joining the group VSLAs a boss told me he wants me to drive his motorbike. That was for me like dreams but the group agreed to give me a credit of 50000 Rwf that allowed me to withdraw my license and now God has changed my name because of VSLA groups "I 'm no longer a hairdresser but a Biker which pleases me a lot.
UWIMANA Jean de Dieu
Josian is a 30 year old mother of 4 children. Before joining URUKUNDO VSLA she was a street vendor using a small basin to ferry her goods on the streets of Nyabugogo, Kigali City. Her dream was to buy a small plot of land and grow her business. Josian capital outlay was only 5000Rwf. After saving with the group for a month she secured a 15,000Rwf loan which she invested in her business and paid back. She managed to obtain two successive loans, which she used thereafter to rent a spot in the market. During the VSLA share-out, she received 57,000Rwf. From her savings and husband’s help they bought a small plot of land at 200,000Rwf, her two daughters have joined primary school. Her family can afford now to eat three times a day previously they could only eat once a day.
Flora Mukangenzi is a 31 year old wife, she had 5 chickens and sold the few eggs they produced, unfortunately it was not enough and therefore she depended entirely on her husband to meet all her needs, her objective before joining the UBUMWE VSLA was to increase her capital for her to buy more chickens. “YEIS Project VSLA “came as an answer to my prayers, it taught me the importance of saving and provided loans to the members without security fees” said Flora. She borrowed six successive loans 64,000 and 46,000 rwf from the share out day,which she invested in her business. Currently, she has a total of 250 hens from which she earns a profit of 80,000Rwf, after all operating costs. She helps her husband financially now by paying the children’s fees and provides food for her household while her husband takes care of other projects.
Manzi Luke is a young child from Nyagatare sector who lived with the father, the mother had Luke with another man. She had a dispute with her husband and returned to her parents house where she met Luke's father, her husband came to find win her back, he however refused for Luke to be brought in their home, she decided to abandon Luke before the age allowed by the Rwandan law (7 years). He lived with his father thereafter in abusive conditions; The father would give Luke alcohol so he would sleep longer hours while he went to work, or will lock him the room until he is back home. Luke was severely beaten and wounded. The neighbors began to be concerned by the repetitive cry and scream of the child, they went to seek the help of the sector authorities, who decided to go to Luke's house, they found him locked up in the house and took him to a "one stop center" in the father's absence. The father was then compelled to the police, where he admitted his acts. The father was arrested, and the child was entrusted to the grandmother after the mother refused again to raise her child. Today Luke is healthy and enjoys his once violated rights.
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