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Rising from the rubble: How village saving groups are rewriting futures in rural Rwanda

Niyonsaba Didacienne (right), Chairperson of the Abunzubumwe Village Savings and Loans Association (VSLA), assists the secretary in entering member details into the Amatsinda digital platform developed by ForAfrika.

In Gahungeri village, Niyonsaba Didacienne, a 39-year-old mother of two, is steadily regaining hope for a better life following the death of her husband. Today, she leads the Abunzubumwe Village Savings and Loans Association (VSLA), a 32-member group. This is after attending training and mentorship on entrepreneurship, financial literacy organised by ForAfrika in her community. VSLAs are small member-managed microfinance groups that empower individuals living in poverty to build savings and access low-interest loans.

“(After he died) I was left hopeless and depressed, not knowing where to begin raising our two children,” she recalls.

“Abunzubumwe is a Kinyarwanda word meaning ‘the united ones’. As women, we have come together and are united in our resolve to uplift one another,” she explains. “We used to live in extreme poverty. Our dignity as women was eroded because we relied entirely on our husbands for everything.”

Niyonsaba’s family is one of nearly 500 vulnerable households in Kamonyi and Muhanga Districts that have benefited from a ForAfrika-supported project titled “Building Resilience of Rural Communities Through Entrepreneurship in VSLAs”.

“Through my participation in the VSLA group, I have acquired valuable skills in entrepreneurship, accounting, and record-keeping. I have also learnt the importance of saving as a pathway out of poverty. ForAfrika trained us to establish kitchen gardens, which has helped me provide a balanced diet for my children,” she says.

Niyonsaba Didacienne borrowed money from her VSLA group to purchase one sheep. Through sheep rearing, she now has a reliable source of compost manure—an important organic fertiliser for her kitchen garden.

The one-year project, implemented from January to December 2024, offered financial literacy, business planning, and financial management training to 15 selected VSLAs, each comprising 25 to 40 members, across Kamonyi and Muhanga Districts. Each group also received seed capital of 700,000 Rwandan Francs (approximately USD 484).

With this financial support, the Abunzubumwe VSLA purchased four sewing machines and established a thriving tailoring workshop.

“It was easy for us to start tailoring because two of our members already had the skills. They trained the rest of us. We also had a ready market, as our village didn’t have a tailoring workshop,” she notes.

The group now plans to expand the workshop into a training centre, where young people and women in the community can gain skills and secure employment.

Fuelled by an entrepreneurial spirit, Niyonsaba has also identified additional income-generating opportunities in her community. She started an Early Childhood Education (ECE) centre to care for the children of mothers working at the workshop or employed elsewhere providing her with additional income.

“I want to thank ForAfrika for empowering us and restoring the dignity of women in my community. Today, women are building homes for their families, and their children are healthier because they have access to nutritious food,” she says smiling.

Members of the Abunzubumwe Village Savings and Loans Association (VSLA) group at their tailoring workshop. ForAfrika provided support of USD 484, which the group used to purchase four sewing machines to launch their business.

Mbonigaba Socrate, ForAfrika’s Field Officer in Rwanda, highlights the need for more resources to reach additional VSLA groups: “People are seeing the transformation among members of VSLA groups. More community members are approaching us to support their groups, but we are financially constrained. We need more funds to reach even more communities, especially those still waiting for support.”

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