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Cyprien is married with five children between the ages of one and 18. Four of his children attend school and his wife works as a maize farmer. Cyprien has been a maize farmer for 10 years. In Rwanda, the agricultural sector accounts for 37% of the country’s gross domestic product; generates 65% of its 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 for 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.

Cyprien is requesting a loan to buy more seeds, to harvest seeds, and to pay for labor costs to help him with his harvest. He plans to use the profit from his loan to pay school fees for his children.

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 eonomic 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
  • 12
    View loans »
    Rwanda Loans Fundraising
  • $15,423,225
    Funds lent in using Kiva
  • 602.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Cyprien to buy and harvest seed and to pay for labor costs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 8, 2012
Jul 9, 2012
Currency Exchange Loss:
Feb 15, 2013