Abahuje saving group members celebrated share out event

"When AEE Rwanda​ enrolled us in the USAID Twiyubake program in June 2016, our saving group target for the first year was to save for a goat and a pig for each group member. We could not understand how we could reach the set target by saving only Rwf 200 per week and in addition cover basics needs at home. After one year, we organized a share-out event. We saved a total of Rwf 968,000 in the first year and each member bought a pig or a goat. We then decided to increase our weekly share to Rwf 400. In the past year I also expanded my vegetables and fruits business at the market and was able to cover basics needs at home. I timely paid the families health insurance for 2017 and my 3 children are attending school",  Mukamana, member of USAID Twiyubake Abahuje saving group.


Emmanuel at his houseNow I run my own business


“When DUHAMIC ADRI enrolled me in the USAID Twiyubake Duterimbere saving group, I took a loan to buy a pig and two hens. When I became a recipient of the conditional household grants, I increased weekly shares in my saving group and took a second loan to buy a bicycle. I started purchasing fruits and vegetables at a lower price from farmers in Karama center to sell them in Huye town. Now I earn at least Rwf 20,000 (US $ 24) per month from own business.” Aimable M., married, four children, living in Karama Sector, Huye district.

Theonille with her sewing machine


Chantal started as a tailor


“I grew up in a poor family. When I was young, I learned sewing, but never had a chance to practice it. As I wanted to break out of poverty, I got married at an early age. Instead everything went wrong. It happened that we were not able to feed our children for two consecutive days. I used to work on neighboring fields and as a house help for very little money. In 2016, Francois-Xavier Bagnoud Rwanda (FXB) enrolled my household in the USAID Twiyubake program. When I received the monthly conditional household grant, I increased my saving shares and bought a sewing machine. Now, I sew clothes and earn Rwf 45,000 (US $ 54) per month. I am self-reliant and maybe in the near future I may employ other women in the area.” Chantal D., 29 years, married, two children, living in Kinoni sector, Burera district.

Jean Bosco in the shop he is running with his friend Jean d AmourJean de Dieu, 24, and Jean Paul, 23 years, are living in Musanze sector. They share a similar fate: Jean Paul lost his parents in 2006 and Jean de Dieu one year later in 2007. Since then they both had to care for their little brothers and sisters.

“We knew each other since we were children, we went to school together. Jean de Dieu completed secondary school while I only went for 9 years basic education as I was not able to pay for the school fees and basic needs,” explained Jean Paul.

“When we started taking care of our siblings, we became close friends. We used to talk about our lives and we couldn’t see any future for us and our siblings. We struggled many years and ended up with nothing,” added Jean de Dieu.

In 2006, Francois-Xavier Bagnoud Rwanda (FXB) enrolled the two young men in a USAID Twiyubake program’s saving group. Jean de Dieu became a community-based volunteers and Jean Paul was elected as saving group secretary. The program trained them on the saving with education methodology and community finance initiative. After being trained by the program, Jean de Dieu took a loan of Rwf 20,000 from the saving group and, together with savings he had made, started a second hand business.

Three months later, Jean de Dieu and Jean Paul attended the workforce readiness and career planning workshop, which equipped them with skills on finance and market literacy, business cycle, income generation, expenses and loan payment.

They decided to start a joint business and opened a small shop in which they sell soft drinks, food and other items that are needed in the community. They currently make a profit of Rwf 80,000 in a month.

“Our target is to expand our business and create jobs for the youth in our sector. I have been able to send back my two brothers to school and we have been able to generate income that helps us to cover our basic need, especially food. We thank USAID Twiyubake for having opened our minds and equipped us with skills,” acknowledged Jean de Dieu.

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