A loan of $650 helped to cover labor costs during rice production.


Claver's story

Claver is a rice farmer who is married with eight children. He has been a farmer for the past 20 years, and he learned rice farming from his parents. He will use his Kiva loan to cover labor costs during rice production: nursery, transplanting, field management, guarding from birds, and then in harvesting activities. With profits from his farming he wishes to invest in his business so that in the future he can acquire machines and tractors that will enhance his farming capacity. 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.



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Loan details