Calls for Undisruptive Digital Transformation across continent - AFRICA TECH SUMMIT - KIGALI
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JANUARY 2018 ISSUE 83 www.hope-mag.com TELLING RWANDA’S STORY MAGAZINE AFRICA TECH SUMMIT - KIGALI calls for Undisruptive Digital Transformation across continent Keep Keep Keep the the the rhythm rhythm rhythmgoing. going. going. Pay Pay Payfor forforschool school schoolfees fees fees from from from anywhere. anywhere. anywhere. Birangize Birangize nana Birangize naMTN MTNMTNMoMo. MoMo. MoMo. DialDial *182# *182# Dial andand *182# follow follow and thethe follow prompts. prompts. the prompts.
HOPE MAGAZINE In this Issue January 2018 Issue 83 CONTRIBUTORS HOPE TEAM Iradukunda Anime Rumanzi Abraham PUBLISHED BY COPYRIGHT 2013 Allan Migadde Keith Ntagozera Shema Ignace HOPE HOLDINGS LTD Reserved by Hope Magazine, a monthly ADVERTISING & GENERAL INQUIRIES Magazine published by HOPE HOLDINGS LTD Ben Gasore Kobusingye Bonitah Sindayirwanya Isabelle P.O. Box 6176 Kigali-Rwanda All rights reserved. Erwin Winkler Manzi Joseph Rebero Daniel +250 788 524189 / +250 788 404138 The opinions expressed in the magazine Himbana Alexandre Mbanda Claude DESIGN & LAYOUT info@hope-mag.com are not necessarily those of the editors and Ishimwe Yvonne Mucyo Rodrigue Dani K. www.hope-mag.com publishers of Hope Magazine. ADVERTISERS MTN Rwanda BPR ATlas Mara Group Bourbon Coffee 1 2 3 CONTENTS Safintra Limited 4 Akagera Business Group 5 Mobisol Limited 8 Business Partners Limited 9 Kigali Serena Hotel 18 14 Lake Kivu Serena Hotel 19 Airtel Rwanda 21 UAP Group Rwanda 22 UAP Group Rwanda 23 Marriott Kigali 27 Galaxy Hotel 31 PRESIDENTIAL MONTH KCB Bank Rwanda 32 KCB Bank Rwanda 33 7 EDITORIAL Technology should respond to a need Davis and Shirtliff 36 10 AFRICA TECH SUMMIT calls for Digital Transformation Riders Lounge 37 12 BRD AND I&M receive EIB credit lines for private sector Engen Rwanda Limited 38 16 YEGOMOTO launches Tap & Pay on taxi-motos 34 The Court Boutique Hotel 39 20 AIRTEL Bomba Packs upgraded to offer unlimited data WAKA Fitness Group 49 24 BRALIRWA CREATE empowers farmers to earn more The Arts & Gimco Real Estate 50 26 ACCESS Bank in breast cancer awareness campaign Sinotruk Rwanda Limited 51 28 UTEXRWA to grow textile industry local and export markets BK Techouse 52 MARRIOTT KIGALI 30 MTN Rwanda launches Birangize na MoMo Campaign 6
VISIT HOPE WEBSITE www.hope-mag.com Editorial For people to Embrace tech, it should COVER Africa Tech Summit -Kigali calls for Undisruptive respond to a need Digital Transformation across continent T HIGHLIGHTS he Africa Tech Summit Kigali, a 2-day manage bank accounts, and are working The Heineken Africa Foundation (HAF), the philanthropic event which took place in Rwanda’s hand in hand with the telecoms to ensure section of the Heineken Group.., has partnered with the c a p i t a l m i d - F e b r u a r y, b r o u g h t smooth transfers between mobile wallets Ministry of Health to realise the hospital’s ambitions of together leaders from the African and bank accounts. improving services to mothers and new-borns... Under tech industry, international players the partnership, HAF through BRALIRWA is offering and investors who want to drive growth in There are so many other areas where Africa. some smart thinkers could, and have, EUR300,000 which will be largely for constructing the new come up with solutions which people will facility (Kacyiru Hospital) while the Government of Rwanda The summit explored the latest trends jump on. A good example is the delivery will invest in the neonatal-maternal health facility with modern with expert speakers from across the of blood to hospitals by drones, which is 44 equipment to ensure quality service delivery. continent delivering keynotes, panels being pioneered in Rwanda. and breakout sessions. One of the main conclusions to come out of the summit is It is no secret that across the continent, BRALIRWA that the continent still has some way to go the road network is nvot only still in terms of mindset towards technology, underdeveloped, but in some countries both on the part of governments and of the even the existing roads are in a sorry population. However, it seems that both can state. While that may not be the case in be addressed when the tech developers – Rwanda, our winding roads make speedy the private sector – come up with inventive delivery near impossible, and there are of tools and applications that actually respond course still parts of the country that are to the needs of Africans. And those solutions difficult to reach. That is why Zipline’s aren’t another fitness app or silly game with solution to use drones to deliver blood which you can kill some time. to upcountry hospitals is of such genius simplicity. A good example is the use of mobile phones to make money transfers, which is something Of course, as with the drones, the that was pioneered on the continent and willingness of the government to 46 where it more widespread than in other embrace this technology was vital, and parts of the world. The reason is exactly there are still quite a few countries on that it responded to a huge need, as financial the continent that could borrow a leaf VISION FUND inclusion is still rather limited and banking from Rwanda, where the leadership is procedures can be cumbersome. In came pushing technology by offering all its some genius techies at telecommunication services online (sometimes exclusively) 34 KIGALI MARRIOT Wine-tasting evening, a wide selection of wines companies, and the mobile money wallets and actively encouraging tech companies were born. to come and develop their innovations 40 KATE SPADE Luxury Handbags changing Masoro’s community here. It was such a success that the banks, 42 BPR Unveils new Digital Banking Solutions to its customers Yet in the end, if the tech companies realizing that they were being outpaced, brought all hands on deck to come up with a have nothing better than a fitness app or 43 AIRTEL RWANDA New MD to run the combined entity in Rwanda reply. Today, the majority of the banks on the a silly game, they will run out of breath 46 VISIONFUND launches childcare centre continent offer multiple ways to electronically very quickly. 48 CIMERWA unveils New Brand, to reach full capacity mid-2019 Erwin Winkler Hope Magazine assume no liability for error or omissions in this publication. All Advertisements are taken in good faith, opinions We appreciate your feedback. Please keep sending and views contained herein are not necessarily those of the Publisher. All copyrights and trademarks are recognized. No more on info@hope-mag.com or visit www.hope-mag.com, part of this publication or contents thereof may be reproduced, to post your comment on any published story. stored in retrieval system or transmitted in any form without We shall pick it and respond to you asap! written permission by Hope Magazine. Exemption is hereby granted for extracts with the purpose of fair review. © 2013 7
Innovation The audience at a panel discussion at the Africa Tech summit Africa Tech Summit -Kigali calls for Undisruptive Digital Transformation across continent The Africa Tech Summit Kigali that opened on Wednesday has called for the acceleration of undisruptive digital transformation and the move from cash to digital payments across the Africa continent. T he two-day summit is a platform to explore the latest trends in digital technology with the participation of some 250 key African and international tech leaders. During the summit, technology firms including Yegomoto, BK Techouse showcased their latest innovations through tech solutions in agriculture, transport, communications and banking, among other sectors. According to Edward George, head of research at pan-African bank Ecobank, people are often stuck in their ways – whether a market vendor or a top executive – and the challenge is to change the mindset and open them up to the opportunities of digital solutions. “As a bank, we are helping individuals and businesses to meet the challenges with latest banking and tech innovations, including using mobile and customer data to create individualized credit scores, unlocking the potential for mobile Edward George Karanvir Singh CEO of Yegomoto lending and micro-insurance,” George said. head of research Ecobank explains the company's tech innovation 10 HOPE JANUARY ISSUE 83
AFRICA TECH SUMMIT SPECIAL FEATURE BK Techouse CEO Regis Rugemanshuro speaking at the summit Yegomoto CEO Karanvir Singh during a panel discussion During the summit, Karanvir Singh, CEO of Lucy Mbabazi, vice-President for Push Yegomoto, said that through the company’s Payments at Ecobank, said that Africa intelligent connected fare meters for needs to incentivize a mindset change to motorcycle taxis which were launched in make people change from cash to digital Rwanda less than six months ago, safe payments, and give companies tax breaks and reliable service delivery is ensured. if they digitalize their business. “In the beginning, drivers were hesitant “The more you are aware of digital, but now they benefit from free helmets, the more you want to use it,” she said. The expo hall of the Africa Tech Summit meters, knowledge of new technology “Banking is not a privilege, it’s a right; we and the bigger picture of effective easy need to use all the digital tools available working,” he said. to remove the pain point for customers to make a payment.” While over 80% of Africans have mobile phones, only around a quarter (28%) of However, there are many barriers to wider them has a bank account. But mobile use of new technology where change banking and e-wallets are helping to fill the is needed in attitudes and approaches gap, offering a range of alternative payment towards innovation. Therefore, methods as well as lending and savings participants and key speakers called upon services. This has boosted the overall governments to embrace technology which financial inclusion rate to 34%, and it is will overcome these barriers and stimulate growing each day. wider usage. The hostess at YegoMoto stand gives explanations to a visitor Lucy Mbabazi vice-President for Push Payments The stand of BK Techouse featured robots at Ecobank, speaks during a panel discussion on fintech made during the recent Robotics Camp Rwanda www.hope-mag.com 11
DEVELOPMENT BANK OF RWANDA Investment SPECIAL FEATURE BRD and I&M receive EIB credit lines for private sector investment Eric Rutabana BRD CEO, Maria Shaw-Barragan EIB Director and Robin Bairstow I&M Bank Managing Director sign the agreements f fTHE RWANDA DEVELOPMENT BANK (BRD) AND I&M BANK RWANDA HAVE RECEIVED CREDIT LINES FROM THE EUROPEAN INVESTMENT BANK TO PROMOTE JOB CREATION BY FINANCING PRIVATE SECTOR PROJECTS. 12 HOPE JANUARY ISSUE 83
DEVELOPMENT BANK OF RWANDA SPECIAL FEATURE “This agreement shows commitment by EIB to assist us in SME financing, and it will help us extend our reach across country, because SMEs are everywhere and are vital for the economy and job creation,” Rutabana remarked. “The sectors that will benefit from this credit line include manufacturing, agribusiness, energy and exports.” BRD CEO Rutabana the agreement will help the bank extend its reach across country U nder the EIB’s Private Enterprise of previous investments which created at least Robin Bairstow, the I&M Bank Managing Finance Facility, BRD received a €15 3,000 jobs in different sectors,” she remarked. Director, also lauded the EIB’s continued million credit line while I&M Bank “We target SMEs as they create jobs, and thus support. benefits from a $10 million lending promote financial inclusion.” programme, both accompanied by “Thanks to the EIB, we have built a strong technical assistance. BRD CEO Rutabana remarked that the SME portfolio over the years and many of the new agreement is highly important for the businesses have since grown significantly,” The agreements were signed in Kigali on Monday development bank, as two years ago it embarked he said. “This new line will make it possible by on the one hand, Maria Shaw-Barragan, EIB on a new strategy to develop SMEs in the country. to explore new sectors such as tourism and Director responsible for lending operations agribusiness while continuing to have a outside Europe, and on the other hand BRD “This agreement shows commitment by EIB to considerable influence on existing businesses CEO Eric Rutabana and I&M Bank Managing assist us in SME financing, and it will help us mainly in the trade sector.” Director Robin Bairstow. extend our reach across country, because SMEs are everywhere and are vital for the economy “This new initiative by the European Barragan observed that for both BRD and I&M and job creation,” Rutabana remarked. “The Investment Bank builds on a proven track Bank it is the second time the EIB extends a sectors that will benefit from this credit line record of helping companies across East credit line as the first ones were successfully include manufacturing, agribusiness, energy Africa to expand, including here in Rwanda,” completed – which is why the new credit lines and exports.” said Ambassador Nicola Bellomo, Head of are 50% bigger than the previous ones. the European Union Delegation to Rwanda. “This is not the first time that the EIB finances “Technical assistance provided alongside the “The EIB has already given loans worth €87mn for BRD, and we hope it isn’t the last as we still new private sector lending will both strengthen private sector development in Rwanda over the have many projects. We thank EIB very much,” financial services in Rwanda and financial last six years, so we’re building on the success he added. skills within Rwandan businesses.” www.hope-mag.com 13
EVENTS PICTORIAL PRESIDENTIAL MONTH 1 President Kagame attended the Africa Market on the sidelines of the African Business and Investment Forum in Union Summit 30th AU Summit in Addis Ababa, on 30 January 2018 Addis Ababa, on 29 January 2018 2 President Kagame met with 5 President Kagame attended the World members of the Chief Executives Economic Forum from 23 – 25 January Organisation on 20 January 2018 2018 3 President Kagame hosted envoys 6 President Kagame chaired the 30th accredited to Rwanda to a Diplomats’ African Union Summit in Addis Ababa, Luncheon on 16 January 2018 on 29 January 2018 4 President Kagame, Chairperson 7 President Kagame and AUC of the African Union Commission Chairperson held consultative meeting Moussa Faki Mahamat and President on AU Institutional Reform with former Faure Gnassingbé of Togo launched Heads of State and Government, in the Single African Air Transport Addis Ababa, on 30 January 2018 14
PRESIDENTIAL MONTH ffHighlights on some of the monthly activities the President has undertaken in and outside the country 8 President Kagame met with H.E. Horst Köhler, January 2018 former German President and Personal Envoy of the UNSG for Western Sahara and H.E. Moussa Faki 13 President Kagame met with Co-Chair of Africa Mahamat, AU Chairperson on 13 January 2018 Wildlife Foundation Board Benjamin Mkapa and President of Africa Wildlife Foundation 9 President Kagame led the nation in the Kaddu Sebunya. on 10 January 2018 commemoration of National Heroes Day on 1st February 2018 14 President Kagame made a working visit to Tanzania, Dar es Salaam, on 14 January 2018 10 President Kagame met with Hon. Wang Yi, Minister of Foreign Affairs of the People’s Republic of China 15 President Kagame received new envoys on 13 January 2017 who presented their letters of credence on 16 January 2018 11 President Kagame received former President of France Nicolas Sarkozy on 15 January 2018 16 President Kagame met with US President Donald Trump on the sidelines of the World 12 President Kagame addressed the AU Peace and Economic Forum in Davos, on 26 January Security Council (PSC) in Addis Ababa, on 27 2018 15
YEGOMOTO Business SPECIAL FEATURE YEGOMOTO launches TAP & PAY on taxi-motos ff Yego Innovision has launched a system that will enable passengers on its motorcycles to pay for the ride using the MTN Tap and Pay system. Users of Yegomoto were already able to pay with MTN Mobile Money, but this required lengthy process using USSD; the introduction of Tap & Pay will make that process quicker and easier. T he company also launched its own Yegomoto Ride-Tap-Pay system. “We are delighted to partner with MTN to bring this innovative payment option to passengers of taxi-motos,” said Karanvir Singh, the CEO and Managing Director of Yego Innovison. “From today, passengers will be able to pay with their MTN mobile wallets using MTN’s Tap & Pay or Yegomoto’s Ride-Tap-Pay tags. The Yegomoto Ride-Tap-Pay will soon be able to support payments from mobile operators as well as debit cards from banks. This will give a tremendous boost to Rwanda’s effort to go cashless.” Karanvir Singh Yegomoto CEO and Patrick Nyirishema RURA DG, test the Tap & Go system MTN’s Chief Business Officer Norman Munyampundu President’s vision of increasing the use of technology, for his part said that the telecom has been very this initiative will boost Rwanda’s economy and make interested in Yegomoto’s business. “When MTN things easier for both the drivers and the passengers,” Rwanda learned of what Yegomoto was initiating, he said. and we gladly joined hands as this service is meant to ease the way people pay for their transport on To use the MTN Mobile Money or Yegomoto Ride- motorcycles,” he said. Tap-Pay system, passengers have to register, which takes more or less 30 seconds. Using either of the Yegomoto uses meters connected to the internet systems comes at no extra charge. and to GPS which Yegomoto CEO Karanvir Singh automatically calculate speaks about Rwanda’s effort to go cashless the fee for the ride. The tariff per kilometer is set by the Rwanda Utilities Regulatory Authority (RURA), and its director general, Patrick Nyirishema welcomed the joint initiative. “We are very proud of Yegomoto’s cashless payment system because it will emphasize the dignity and discipline Norman Munyumpundu MTN's Chief Business of the motor riders. And Officer speaks at the launch of the new system in accordance with the Some of the guests of the launch 16 HOPE JANUARY ISSUE 83
YEGOMOTO SPECIAL FEATURE YEGOMOTO gets licence to install connected fare meters on taxi-motos ff Yegomoto has received a license from the Rwanda Utilities Regulatory Agency to install intelligent connected fare meters on all the motorcycles in the country. Karanvir Singh Yegomoto CEO addressing Journalists at the announcement of the license Karanvir Singh Yegomoto CEO and Aaron Ndagijimana the Deputy Head of Transport at RURA, Yegomoto’s CEO Singh explains the connected meter system R wanda becomes the first country in the Since the process started 18 months ago with Aaron Ndagijimana, Deputy Head of Transport at world to have the metered motorcycle taxi market research, Yegomoto has installed 680 RURA said Yegomoto comes to solve challenges services with cashless payments. According meters on the motorcycles in Kigali, and Singh for both the motorcyclists and the passengers. to Yegomoto’s CEO, Karanvir Singh, the pledged to complete the task in the capital in “Negotiations between motorcyclists and passengers transport company is proud to be a pioneer the next six months and across the country in were amongst the problems as it was time consuming, in partnership with RURA, the police and other nine months. but with the meter both parties are going to be happy. stakeholders in creating the world class project. So it is a win-win situation,” he said. “It has been a long journey, we have worked “We are delighted to announce that we have received with all the stakeholders since 2016 to find out Yegomoto has recently introduced payments through the license from the regulator to install the intelligent what were the real challenges to taxi motorcycle MTN’s Mobile Money Tap & Go method, and has connected fare meters all taxi-motos in the country. industry in the country. We conducted a detailed announced this will soon be extended to both TIGO The regulator has asked us to complete the process field survey for over one year and half that gave us and Airtel. The company also plans to integrate with within nine months and we expect to meet the deep insight into to industry. We studied how taxi- banks to provide seamless payment from their wallets deadline,” he said. motos operate, and their challenges,” Singh said. and bank accounts. www.hope-mag.com 17
Business Health AIRTEL RWANDA ORIGIN SPECIAL FEATURE Airtel Bomba Packs upgraded to offer unlimited data and call options � Kigali, Rwanda. January 2018. Airtel Rwanda has today enhanced its Bomba Packs, introducing “Bomba No Limit” packs to the Bomba packs family. “Bomba No limit” frees Airtel Internet subscribers to enjoy unlimited data and make calls without time restrictions. The introduction of these About Bharti Airtel volume-based packs comes to compliment the time-based bundles that were introduced by Airtel in November 2017. Bharti Airtel Limited is a leading global telecommunications company with operations in 16 countries across Asia A and Africa. irtel Data customers now have the Speaking about the development at Airtel Headquartered in New Delhi, India, the option to choose between loading headquarters, acting Managing Director at company ranks amongst the top 3 mobile a daily, weekly or monthly pack and Airtel Rwanda Raoul Bedi, said, “The upgrade service providers globally in terms of consuming it up to to 1 GB of per day, of Bomba packs comes as a response to subscribers. 7GB of data per week or 30 GB of data customers need for flexible internet packs that per month. can be used without restrictions. In India, the company’s product offerings include 2G, 3G and 4G wireless services, Alternatively, customers can load “Bomba No mobile commerce, fixed line services, high These packs provide the agility needed by speed home broadband, DTH, enterprise Limit Bundles” and utilize as much data as they customers who use our Internet for work wish without restriction. services including national & international assignments that may sometimes require more long distance services to carriers. than 1 GB of data per day.” “Bomba No Limit Bundles” offer In the rest of the geographies, it offers 1GB daily for 500 RWF, 2G, 3G, 4G wireless services and mobile 7GB weekly for 3000 commerce. Bharti Airtel had over 394 RWF and 30 GB million customers across its operations of data monthly alongside “Bomba No Limit at the end of December 2017. other voice Bundles” offer 1GB daily for 500 To know more please visit, www.airtel.com and SMS benefits. RWF, 7GB weekly for 3000 RWF and 30 GB of data monthly alongside other voice and Bomba packs provide a range of choices SMS benefits. to Airtel customers to enjoy daily, weekly and monthly streaming using Airtel Internet as well as making calls to all networks at an affordable rate. 20 HOPE JANUARY ISSUE 83
BRALIRWA SPECIAL FEATURE Agri-Business ... CREATE empowers farmers to earn more from agriculture, transform their villages For the 73 farmers in Jyambere � From tilling small fragmented farms and cultivating them with Muhinzi, their maize a wide array of crops, 73 farmers working together in Jyambere Muhinzi Cooperative in Gishari Sector of Rwamagana district in harvests have Rwanda’s Eastern Province now have more than 100ha of land been progressively under maize farming and productivity has been increasing increasing. From significantly since 2016. 73.4tons of maize in 2016/17 the J yambere Muhinzi which in Kinyarwanda loosely translates into “farmer development,” CREATE is a Heineken Group funded project t h r o u g h i t s l o c a l s u b s i d i a r y B R A L I R WA cooperative is looking engages in modern farming and is a role model on good farming practices for many farming implemented by the European Cooperative for Rural Development (EUCORD). The project at 150tons of this cooperatives in the district. To its members, notwithstanding their hard work, success gained so seeks to empower farmers to earn more from 2017/18 implying over their agricultural activities and in so doing foster far has been possible thanks to the technical and community wide economic transformations. 104% increase in a equipment received from the Community Revenue Enhancement through Agricultural Technology In large parts of the Eastern Province including year. Extension (CREATE) Project. Kayonza and Rwamagana districts, the one-crop 24 HOPE JANUARY ISSUE 83
BRALIRWA SPECIAL FEATURE for the farmers as identified through scientific assessments of the land qualities conducted by the Ministry of Agriculture in its land consolidation and land use policy is maize. Given that it coincides with a crucial raw- material in BRALIRWA’s brewing activities –maize grits –it is understandable why maize and these particular districts given Heineken Group’s sustainability target of increasing local sourcing of raw materials to at least 60% by year 2020. Under CREATE, the focus has been to sensitise farmers on good farming practices such as use of quality agricultural inputs like fertilisers and timely planting, business management skills which help transform agriculture from subsistence to market oriented farming, and kick starting agricultural mechanization through irrigation among other initiatives. And this wide array of approaches has born results particularly increased productivity, breaking the poverty yoke and changing the face of entire villages thanks to income earned from maize farming. produce other crops in the harshest of time,” For the 73 farmers in Jyambere Muhinzi, Nshirigihunga Lambert the President of their maize harvests have been Jyambere Muhinzi Cooperative notes. progressively increasing. From 73.4tons of maize in 2016/17 the cooperative is Armed with irrigation equipment and looking at 150tons of this 2017/18 implying techniques, these farmers are now over 104% increase in a year. According to cultivating cabbages as a new crop all farmers like Christine Mukakabano, maize year to take advantage of a read market has been a success and instrumental in of the vegetable in the neighbouring changing their lives around. Rwanda National Police Training College in Gishari. Besides access to irrigation “I cannot think of farming without the maize equipment and empowerment to make crop. It is only after I started cultivating maize use of available Government of Rwanda that I was able to earn a significant amount at facilities to incentivize use of irrigation in the same time from my farming. Originally, I farming, farmers have also been trained used to do a lot of mixed cropping and could on installation, operation, maintenance and only earn a few thousand francs from selling minimal reparation skills for their irrigation my harvests. In the previous farming season, farming that will eventually bring more cash units. I brought in slightly over 1.3tons of maize to the in the hands of farmers in addition to making cooperative from which I earned about Frw300,000 communities and the country food secure. According to EUROCORD’s irrigation specialist that I used to make improvements in my family’s Maurice Binyebebe, farmers are given irrigation life including buying two goats.” Cost effective irrigation solutions support for a year including on installation, make all year farming possible operation, maintenance and minimal repairs. For other farmers like Hakizimana Innocent Alongside these services, skills on these areas who was able to harvest 3tons from his farming A crucial element in modernized market driven are imparted so that cooperative members are able in farming season A of 2016/17, returns from farming has the ability to be productive throughout to continue on their own after the year. “Currently, maize have made his village better. “We have the year. For farmers both cultivating lowlands and farmers we have been working with since early managed to rehabilitate our houses, our children hillside fields under the CREATE project, irrigation 2017 to install and operate irrigation solutions are going to school and we are meeting our basic has opened up new farming seasons they never are able to manage them on their own thanks needs.” Having access to a ready market for had and are producing crops they never thought to various trainings received.”To further make maize produce has been the major factor for the possible. irrigation solutions affordable, the project has game changer that maize has been. Many of the introduced solar powered irrigation units that will farmer cooperatives supported by CREATE are Farmers who previously were only able to utilise further improve usability and ensure that farming now fully registered, have managed to buy more farming seasons A and B and just waited around continues to bring more financial liberation to rural land and are well advanced at being able to use without serious work during the season C which communities. available local financing opportunities to sustain is largely in the dry spells of Rwanda’s farming their activities. calendar are now able to farm throughout the year Thanks to smallholder farmers like those and as they testify, this is increasing their ability to supported by CREATE, the establishment of an According to Fabien Ngoga who coordinates make extra cash from what they their agriculture irrigated maize farm by BRALIRWA in partnership the project for EUROCORD, the combination of profession. “Had it not been for irrigation, the with MINIMEX in the Ndego Sector of Kayonza farming techniques, agricultural mechanization, harsh dry season we experienced in 2016/17 district and the extended impacts of these two access to agricultural inputs and now season would have left us without even food initiatives, local maize harvests account for about strengthening farmer access to financial facilities for our families but thanks to irrigation solutions, 40% of Rwanda’s leading beverage manufacturer’s is a success in building sustainable modernized we were able to have a good harvest and even maize grits consumption. www.hope-mag.com 25
ACCESS BANK SPECIAL FEATURE Health ... Access Bank in breast cancer awareness campaign While figures indicate that about 300 women die from breast cancer every year, the Director of the Cancer Unit in RBC, Dr Francois Uwikindi, conceded that the number is probably much higher. “We think there are many others who are suffering from breast cancer and eventually die because they never go for early screening thinking they are suffering from a different disease,” he said. Nadine Rutabayiro Access Bank Team Leader explains Access Bank clients at the breast cancer screening the breast cancer campaign ff Access Bank in collaboration Access Bank Rwanda has a product called with the Rwanda Biomedical maternal health support scheme where it provides Centre (RBC) last month kicked loans at low interest rates (15%) to enable clients diagnosed with such chronic diseases to access off its annual initiative of raising medical treatment and pay back later. awareness on breast cancer for women by carrying out a free “The treatment is accessible for both in Rwanda screening for its clients and staff. and abroad,” Rutabayiro explained. The free screening targeted over 80,000 women, at a T time when breast cancer is becoming increasingly he one-week campaign was held ahead prevalent. of the international day for fighting breast cancer held on 4th February Dr Francois Uwinkindi under the theme “I Can, We Can.” Director of the Cancer Unit at RBC Speaking to journalists during the free screening event at the bank’s head offices at Union Trade Centre in Kigali City, He lauded Access Bank’s initiative, saying Nadine Rutabayiro, the Access Bank Team it complements the government’s efforts in Leader for Women Banking noted that; raising awareness on prevention and early “as we help women to access finance for detection of cancer for easy treatment.“People their economic empowerment, we strongly often seek medical support when they are believe that they should also be healthy to already at an incurable stage because they be able to benefit from financial stability. delayed screening. It is better that a woman is examined every month,” Uwikindi remarked. She added that; “We cannot talk about financial development without better The campaign also included explanation of health. That is why we are screening them measures to prevent breast cancer and on for breast cancer in conjunction with RBC.” Access Bank employee being taken how women can do a monthly self-examination through the self-examination procedure of their breasts. 26 HOPE JANUARY ISSUE 83
Utexrwa, Quick the largest tex- delivery, tile and garment factory reliability, flexible in Rwanda, is today positioned customization ,and to take maximum benefit of the growing adoptability are quali-ties that market emerging from the stability in and define Utexrwa today. fast development of the country. Founded in 1984, and currently among the largest textile companies in the region, Quick delivery, Utexrwa plays a pivotal role in job creation and the development of the textile and reliability, flexible garment sector. The company’s operations customization, also contribute to import substitution and and adoptability thus to improving the trade balance. are qualities that define Utexrwa In addition, Rwanda’s strong bilateral today” ties with West African countries such as Congo Brazzaville, Cameroon and Gabon, Ritesh Patel, present a golden opportunity to Utexrwa Managing to gear up for the export markets and thus Director - become a strong foreign exchange earner. UTEXIRWA 28
Stretched on nine acres of land with built-up construction of over 25,000 square meters, the garment maker’s facilities are composed of a vertically integrated textile mill that includes spinning, weaving, processing (dyeing and printing), and in-house garment division. Largely specializing in the production of uniforms, Utexrwa focuses on Rwanda’s budding education and security sectors. With Rwanda’s peacekeeping forces operating in several countries around the globe, there is great growth potential in that market. Utexrwa also firmly believes that the partnership between the textile sector and the Some of the finished fabric that are often exported to regional markets such as Congo government in the production and supply of uniforms for public schools is a credible vehicle for the transformation Its uniforms are customized with client- of the sector. specific design, size and colour. The product range so far includes uniforms for the army and police, fire fighters, medics, schools, commercial, home and industrial workforce as well as eco-friendly home furnishings. The company also supplies finished cotton and blended fabrics in rolls. Utexrwa sources most of its raw materials such as cotton from Rwanda and other EAC countries. Tailors at Utexrwa sewing police uniforms Processed cotton The company also supplies finished cotton and blended fabrics in rolls. The company also produces uniforms for commercial purposes, such as taxi-moto jackets. 29
Innovation ... MTN RWANDA Business SPECIAL FEATURE MTN Rwanda launches Birangize na MoMo Campaign ffMTN RWANDA today launched its latest multi-channel Mobile Money campaign titled “Birangize na MoMo”, which emphasises the mobile operator’s bold views on aligning itself with the Rwandan government’s drive to digitise the economy. T he campaign articulates The vibrant and catchy audio MTN’s commitment to track that kicks off this campaign contributing tothe nation- is done by local up-and-coming ABOUT MTN Rwanda al economic strategy on artists namely Ntwali Benjamin enhancing cashless trans- and Banamwana Paulin who are actions that offers convenience and students, and Sano Shengero MTN Rwanda is the market leader security to all Rwandans. Speaking Aline who is actively pursuing a in the mobile telecommunications at the launch, MTN Ag. CMO, Rich- music career. industry in Rwanda. ard Acheampong, said, “MTN has developed and deployed numerous Since 1998, MTN Rwanda “Our brand has evolved with has continuously invested in innovative financial products aimed Rwandan musicians such as Tom at convenience and safety while sup- expanding and modernizing Close, Jay Polly, Mani Martin, porting the drive towards a cashless its network and is now proudly Riderman, Charly & Nina, many of economy. Rwanda’s No 1 Network. who were still fresh in the industry but have risen to become some MTN Rwanda offers superior We are communicating how, through of the biggest names in Rwandan the evolution of MTN Mobile Money, services to its subscriber base, music today. We are taking our peoples’ lives have become simpler including innovative propositions partnerships a notch higher by and more convenient. Today, the sim such as personalized voice and working with young talented card gives you more than just voice data offers with MTN Irekure. upcoming musicians to driving and data; you can perform your financial transactions a campaign that is transformational both for our anywhere and at any time, from your mobile phone.” The company is also the front subscribers and also for these young upcoming runner in Mobile Financial musicians. The models featured in all our brand Services in Rwanda with Mobile A key criterion of the campaign is that it showcases and campaigns are also proudly Rwandan. We continue celebrates what customers can do because of the role Money, Tap&Pay and MoKash, to support and promote the development of such Loans and Savings. Mobile Money plays in their lives, such as paying water artists by giving them platforms to showcase their bills, buying airtime, paying for electricity, paying for parking talents. Birangize na MoMo!” concluded Mr. tickets, paying taxes and so much more, all in the most Acheampong. unexpected places. Most of these services are actually paid at no extra cost to the MoMo subscriber. “We know the enormous potential MTN Mobile Money has to transform our lives. As more services are deployed on the Mobile Money platform, it is important for us to continue FOR MORE to drive financial inclusion in a manner that the average information, subscriber can identify with and finds valuable,” he added. PLEASE CONTACT: This campaign is MTN’s most ambitious yet. It comprises MTN PR Desk a number of television executions and a combination of TETA MPYISI market-specific print, online, outdoor and mobile creative PR2.RW@MTN.COM executions. 30 HOPE JANUARY ISSUE 83
MARRIOTT KIGALI SPECIAL FEATURE Hospitality ... Simon Hodson Director of Food and Beverages at Kigali Marriott (left) and the hotel’s General Manager Rex Nijhof (right), with a guest At wine-tasting evening, KIGALI MARRIOTT shows its wide selection of FINE WINES ff IF YOU LOOK UP ONLINE REVIEWS FOR CUCINA, THE ITALIAN RESTAURANT AT KIGALI MARRIOTT HOTEL, YOU WILL FIND A LOT OF PRAISE FOR THE SERVICE AND THE MOUTHWATERING FOOD – FROM PIZZAS TO RISOTTOS AND PASTAS. WHAT IS LESS OFTEN MENTIONED IS ITS WIDE INTERNATIONAL SELECTION OF FINE WINES. S o to make its patrons more familiar sample a dozen or so wines from all around “This is an intimate event to enjoy good wines, with its wine menu, Kigali Marriott the world, while two French experts, Gil and also an opportunity to present ABG, which invited a select group to a wine- Cheviron and Stéphane Roi, were on hand is one of our main suppliers,” explained Simon tasting evening at Cucina. At the to help them choose and give explanations. Hodson, Director of Food and Beverages at event, organized together with There were also various amuse-bouches Kigali Marriott. “We also hope to start a trend Akagera Business Group (ABG) which is including cheeses, ham and different types and have regular wine evenings, so that people Marriott’s partner for wines, guest could of bread. can come and enjoy this at the Marriott.” 34 HOPE JANUARY ISSUE 83
MARRIOTT KIGALI SPECIAL FEATURE The event was reserved for select guests Some of the wines served during the evening Stéphane Roi says the wine business in Africa is growing He indicated that all the wines which ones they like best,” he said. served at the event, which included champagne and presecco, are on And for Roi, it was also an excellent the menu or will be soon. opportunity to get to know the Rwandan market better. “While most of our wines are French, we have others from every wine “The wine business in Africa is region in the world – Italy, Argentina, growing, but for us Rwanda is new Chile, South Africa, …” Hodson said. so together with ABG we are now “And they all go very well with the exploring the market,” he said. food served at Cucina.” “So far we see mainly a demand for Stéphane Roi, who is Central Africa French and Italian wines, but the Manager for winehouse ‘Les Grands reaction to those from Chile has also Chais de France,’ applauded the been very good. Of course, Marriott is initiative. “It’s an occasion for people a high-end place, so they require some to taste different wines and discover more sophisticated wines.” Wine expert Gil Cheviron serves a glass of wine www.hope-mag.com 35
KATE SPADE NEW YORK Business SPECIAL FEATURE Sold Worldwide ... Some of the products made by Abahizi for Kate Spade New York Luxury Handbags are changing Masoro’s community ff WHEN ASKED TO EXPLAIN WHAT “Kate Spade New York brought global expertise and EXACTLY THE RWANDA DEVELOPMENT combined it with trained Rwandan women artisans to make globally competitive products,” Akamanzi BOARD (RDB) IS DOING, THE said. “The impact of Kate Spade New York’s ORGANISATION’S CEO, CLARE collaboration with Abahizi Rwanda on livelihoods AKAMANZI, SAYS THAT INSTEAD OF is also significant.” RESPONDING WITH DRY ECONOMIC It is no coincidence that Akamanzi mentioned the STATISTICS RELATING TO TRADE impact on livelihoods, as the relationship between BALANCE AND EMPLOYMENT, SHE Kate Spade New York and Abahizi Rwanda goes PREFERS TO GIVE EXAMPLES. much farther than that between a fashion brand and a supplier. Indeed, the on purpose line focuses A Clare Akamanzi introduces the debate on social entrepreneurship, and this doesn’t only nd one of her favourite examples is that mean that a lot of attention is given to the working of the collaboration between Kate Spade conditions of the women, but also to their extra- New York and Abahizi Rwanda. It is indeed professional development and the community in a remarkable story of an unlikely alliance. Akamanzi gave the example of the amazing which they live. Kate Spade New York is a global high-end fashion collaboration while introducing a recent panel brand with stores not just in the USA but in many between various stakeholders in the project. The To start, while all Abahizi Rwanda’s women were of the world’s biggest cities, including in Asia. speakers were Taryn Bird, senior manager at Kate experienced artisans, it was with the support of Kate Then there is Abahizi Rwanda, a social enterprise Spade New York on purpose; Darius Habemenshi, Spade New York that they founded Abahizi Rwanda based in Masoro, in Rulindo district of the Northern the general manager for production at Abahizi in 2014 and became the owners of their company. Province, who run a relatively small factory. Yet Rwanda; Ayla Schlosser, CEO and co-founder The fashion house also provided advanced sewing they are the first (and so far the only) providers of Resonate consultancy; Sean Gilley, managing training to ensure its standards are met, and hired of Kate Spade New York’s ‘on purpose’ line director of Karisimbi Business Partners; and Karisimbi Business Partners, a business consultancy of products, for which they supply high-quality Mike O’Doherty, country director for Laterite based in Kigali, to ensure proper management of handbags, thanks to RDB’s facilitation. consultancy. the factory and business aspects. 40 HOPE JANUARY ISSUE 83
MASORO COMMUNITY SPECIAL FEATURE Abahizi Rwanda “In the beginning, when an artisan would for example break a needle, they would just sit there and remain silent. When it happens today, they take action. They also don’t hesitate to share their ideas” she said. It also helps that Abahizi Rwanda doesn’t have a vertical, hierarchical organisational structure. While there may be a management team, they are considered as equals, not superiors, to the artisans and other workers. That management team also includes a Life Skills Empowerment Manager and a Health Adviser and Counsellor. All this should not obscure the fact that at the core, L-R the relationship between Kate Spade New York and Taryn Bird Senior Manager Kate Spade Darius Habemenshi Production Manager Abahizi Rwanda Ayla Schlosser CEO Abahizi Rwanda is one of business, not charity. Resonate consultancy Sean Gilley MD Karisimbi Business Partners Mike O’Doherty Country Director Laterite consultancy A student from Akilah Institute asks a question American Ambassador Erica J. Barks-Ruggles with some of Abahizi's employees and other stakeholders And in this respect, too, the project has been a major success, as in its three years of operations, the Masoro cooperative has nearly tripled the value of the handbags and accessories exported to New York, to almost $1.5 million. And the quality of the products is so satisfactory that starting next year, Abahizi Rwanda will also work with Coach, a sister-company of Kate Spade New York. And what do the customers say? “The reactions are very positive,” said Kate Spade New York’s Executive Vice President and Chief Employees of Abahizi are presented to the audience Marketing Officer, Mary Beech, who had come over all the way from New York for the occasion. “Since the on purpose line is merchandised together And in line with the vision of on purpose, it also From other partners, Abahizi Rwanda’s employees with our other products, initially the customers employed Resonate, a consultancy specialised also receive training in life skills like counselling, weren’t aware that there was something special in the training and education of women and health, finance and English. Through this about their handbag. But as each of the bags girls, specifically to provide leadership training approach, the factory enables women to act as has a hangtag with the name of the artisan and focused on self-confidence, communication skills, catalysts for change in themselves, their families, some explanations, they noticed and we got many goal-setting, self-advocacy, and other critical and their community. That is visible often in small questions. So the reactions are very positive, and interpersonal and leadership skills. things, as Resonate CEO Schlosser observed. the customers love the bags.” www.hope-mag.com 41
BPR - ATLAS MARA SPECIAL FEATURE Finance & Banking ... BPR in new drive for a Cashless Rwanda unveils new Digital Banking Solutions to its customers The bank also partnered with Rwanda online (Irembo) where all BPR customers can now pay for different government services offered through Irembo (an online portal that offers government services electronically to citizens), these services include Paying for a birth certificate, provisional or definitive and supplementary driving licenses, criminal record certificate and marriage certificates among others over the BPR counters in all branches. “The bank also pledges to keep leveraging on the existing new technologies to improve customer experience and the customers will always be at the center of the day to day operations, the bank plans to introduce new products to the market which include Agency banking planned for Q1 of 2018, micro lending on mobile, Visa & Master card ,MasterPass among others,” he closed. About BPR part of Atlas Mara Maurice Toroitich BPR's Managing Director Found in 1975 BPR started as a cooperative to shows how the bpr mobile serve its members achieve better livelihood, in banking app works 2008 it transformed to become a fully-fledged commercial bank while retaining its cooperative F roots. ollowing the bank’s ambitions of becoming “This is a differentiator in the market since the In April 2015 Atlas Mara Limited (“Atlas Mara” the leading ‘‘Digital bank in Rwanda’’ transfer is instant and doesn’t go through any manual or “the Company”) ( LSE : ATMA ), a financial offering a wide range of Digital banking intervention; customers are required to visit any BPR services holding company acquired minority solutions to clients, and to support the branch for sign up,” he explained. shares in BPR and later in 2016 it merged BPR government of Rwanda’s initiatives towards with the commercial wing of the Development Bank a cashless economy, on 26th January 2018 BPR He added that the bank had upgraded its mobile of Rwanda (BRDC) that it had acquired in 2014 Atlas Mara announced to the public the unveiling banking platform with more features where customers giving Atlas Mara the controlling stake in BPR of new digital products and the upgrade of the can now transfer funds to other bank accounts with 62.1% of shares, strategic partner Rabobank existing ones with new features that instantly without having to go remaining with 14.6% and 23.3% retained by Local will ease the banking experience of through clearing approvals or third Shareholders. its customers. party checks, to access customers can register to the branch or BPR is the second largest commercial bank Maurice Toroitich, the bank’s download the App for free. by total assets, and largest bank in Rwanda by Managing Director said that the customer base and branch network, earlier last bank; launched a state of the art Another initiative the bank year BPR was awarded the Best Bank in Rwanda internet banking where customers undertook was to partner with 2017 accolade in the Banker Africa Awards for the can do a series of banking telecoms MTN and Tigo Rwanda East African region by CPI financials transactions such as pay for to launch Push and pull services taxes, purchase electricity, water where customers with BPR bills, DSTV, Star Times, effect bulk accounts can now push or pull funds from their BPR accounts to For more information transfers such as salary and funds transfer to other bank accounts Tigo and MTN E-wallets and vice visit: www.bpr.rw instantly. versa. Your Bank. Your Future. Banki Yawe. Ejo Heza. 42 HOPE JANUARY ISSUE 83
AIRTEL RWANDA SPECIAL FEATURE Airtel appoints new Managing Director to run the combined entity in Rwanda � Following the approval of the merger by the Rwanda Utilities Regulatory Authority (RURA) on the 23rd of January and formal closure of the acquisition on the 30th of January, we wish to announce the appointment of Philip Amoateng, as Managing Director of Airtel Rwanda. M r. Amoateng is a member of the Association of Chartered Accountants and a graduate of the University of Leicester with an MBA. He has held various operational, financial and strategy positions whilst he worked at Millicom for more than 16 years. In 2016, he was appointed CEO Tigo Rwanda, a position he held until the organization was acquired by Airtel. The move to combine the two entities will see improvements in coverage and a wider network of customer touch points. About Bharti Airtel Bharti Airtel Limited is a leading global telecommunications company with operations in 16 countries across Asia and Africa. Headquartered in New Delhi, India, the company ranks amongst the top 3 mobile service providers globally in terms of subscribers. In India, the company’s product offerings include 2G, 3G and 4G wireless services, mobile commerce, fixed line services, high speed home broadband, DTH, enterprise services including national & international long distance services to carriers. In the rest of the geographies, it offers 2G, 3G, 4G wireless services and mobile commerce. Bharti PHILIP AMOATENG Airtel had over 394 million customers across its operations at the end of December 2017. Airtel Rwanda To know more please visit, www.airtel.com Managing Director www.hope-mag.com 43
Health ... BRALIRWA, Rwanda Government partner to increase access and quality of neonatal and maternal health services ffKACYIRU HOSPITAL IN GASABO These improvements according to Nkubito DISTRICT OF KIGALI CITY ON are aimed at sustaining provision of efficient, respectful and high quality life-saving services AVERAGE DELIVERS 24 NEWBORNS to all its patients but especially to mothers and PER DAY IMPLYING A MONTHLY children and continue to position Kacyiru Hospital as a centre of excellence in neonatal and maternal AVERAGE OF OVER 700. healthcare services. With this purpose in mind, the D Ministry of Health embarked on seeking partners in delivering these improvements. espite this relatively high number of pregnant mothers served, maternal and neonatal The Heineken Africa Foundation (HAF), the health facilities at the hospital are neither philanthropic section of the Heineken Group spacious enough nor sufficiently equipped to which owns majority shares in Rwanda’s leading effectively meet the needs of each expectant beverage manufacturer BRALIRWA has partnered mother. with the Ministry of Health to realise the hospital’s ambitions of improving services to mothers and Luckily as the hospital’s Director General Chief new-borns. Superintendent of Police Dr. Pascal Nkubito shares, nothing has seriously gone wrong as a Proposed construction works at Kacyiru Hospital result but confirms that making improvements such were launched by the partners in mid-February, as expanding the operating theatre and improving laying a foundation stone of the new facility that neonatology facilities is top on the agenda of their will see more space for the mother and child agenda. Other than the structures, the hospital health facilities. Once construction is completed, equally intends to acquire modern medical equipment additional equipment including beds and other in the maternal and neonatal care facilities. medical supplies will be installed too. 44 HOPE JANUARY ISSUE 83
BRALIRWA SPECIAL FEATURE Under the partnership, HAF through BRALIRWA instances would delay to get operated on, “We greatly appreciate the Heineken Africa is offering EUR300,000 (approximately Frw300 will now have room in the operation theatre, Foundation for this meaningful support to make million) which will be largely for constructing the furthering the hospital’s capacity to provide quick life for our compatriots who use our services better new facility while the Government of Rwanda life-saving operations on expectant mothers. and for enabling us to serve them to full capacity” will invest in equipping the neonatal-maternal Dr. Nkubito acknowledged. Construction works of health facility with modern medical equipment Similarly those brought into the hospital as they the new facility are expected to take nine months to ensure quality service delivery. wait delivery who in the past had to sometimes costing a total of Rwf383 million. get congested in the few emergency rooms of The new facility will boost the hospitals capacity the maternity ward will now have more room Speaking at the ceremony to lay the foundation to carry out surgical operations by more than available ensuring quality reception and waiting stone for the facility, BRALIRWA’s Managing Director double from just four to 10 expectant mothers conditions. Victor Madiela emphasized why supporting such in one instance thanks to an additional 3 initiatives is important to the beverage manufacturer operating rooms with two theatre beds that will When you look through the state of the two and promised continued collaboration with the be constructed. Similarly, the emergency rooms emergency rooms that host expectant mothers Rwandan Government in improving the quality of capacity of the maternal and neonatal unit of the at the Kacyiru hospital as they await delivery, life. “BRALIRWA and by extension the Heineken hospital will be increased from the current five to though not alarming, it is equally not the ideal. Group is committed to improving the quality of life 12 rooms in total implying an equally more than Some expectant women are unable to find a bed in communities where we operate and we see no double increase.What this means according to at some occasions; having to share a small bed better way than through ensuring that pregnant Dr. Nkubito is that more women, who in some with another while they wait for their due time. mothers receive the best quality of services and that children are delivered efficiently to give them a good start on life.” According to Nkubito, Kacyiru hospital which started operations in 2009 was established with the main goal of offering quality services to expectant women and by so doing contribute to the reduction of mother and child death as a result of complications at the time of giving birth. “Thanks to sustained Government support, Kacyiru Hospital is one of the most reliable hospitals in Gasabo district. With the extension of the maternal and neonatal health facilities, there is no doubt that the quality of services will improve and so will the number of their beneficiaries. We are grateful to this partnership with the Heineken Foundation in making this happen,” the Vice Mayor in Charge of Social Affairs for the City of Kigali, Languida Nyirabahire commented. Since its launch a decade ago, the Heineken Africa Foundation has committed up to EUR7.2 million (approximately Frw7.2billion) to 83 different projects all focused on health especially maternal and child care and water, sanitation and hygiene promotion. The emphasis on mother and child care and water, sanitation and hygiene promotion is born from experience that both areas are crucial for the earliest beginning of life and are highly interdependent in addition to the fact that even small improvements in the two areas can have big positive impacts on entire communities. In Rwanda, BRALIRWA through funds from HAF has financed other projects before Kacyiru hospital including a dental health improvement project implemented by Aide Dentaire Afrique (ADA) and the Ministry of Health in Gicumbi and plans to support other health initiatives in the near future such as the expansion of maternity infrastructure and equipment at the Gisenyi hospital. HAF only finances projects in sub-Saharan Africa and particularly in countries where there is a local Heineken brewery, the equivalent of BRALIRWA in Rwanda. For more information about the foundation and its work visit its website HYPERLINK “http://www.africafoundation.heineken.com” www.africafoundation.heinekven.com www.hope-mag.com 45
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