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Baptiste is married with six children aged between 5 and 18. They are all enrolled in school. His wife works as a farmer. He has been a rice farmer for 6 years. He would like this loan to buy fertilizers, seeds and to pay for labor to get the best harvest. With the profits, he plans to expand the area he has been using to produce more and to pay for his children's school fees. Behind him in the photo are the agriculture borrowers lining up to be photographed by the lending staff.

The agriculture sector accounts for 37% of Rwanda's gross domestic product, generates 65% of Rwanda's export revenue and employs approximately 90% of Rwandans (as of 2009). Despite the importance of agriculture to Rwandans and their economy, financial institutions view lending to fund agricultural activities as a high-risk proposition because the profitability of these activities is affected by weather, natural disasters and price fluctuations. For this reason, farmers in Rwanda remain underserved by financial institutions. Urwego Opportunity Bank is expanding into this market and is happy to provide Kiva lenders with the opportunity to support Rwandan farmers.

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.

About Rwanda

  • $1,700
    Average annual income
  • 9
    View loans »
    Rwanda Loans Fundraising
  • $15,580,500
    Funds lent in using Kiva
  • 598.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Baptiste to buy fertilisers, seeds and pay for labor.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Feb 20, 2012
Mar 11, 2012
Currency Exchange Loss:
Jul 19, 2013