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Emmanuel is married and has three children who range in age from three to 14. Two of his children go to school. He has earned a living as a rice farmer for 20 years and is requesting a loan to buy seeds and hire workers to help him on his farm.

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 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
  • 17
    View loans »
    Rwanda Loans Fundraising
  • $15,715,100
    Funds lent in using Kiva
  • 602.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Emmanuel to buy seeds and hire workers to help on a farm.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Jul 23, 2012
Aug 7, 2012
Currency Exchange Loss:
Apr 17, 2013