A loan of $1,025 helped to support labor costs during rice production.


Jean's story

Jean is a father of three children and has been carryng out this farming for the past 15 years. He was trained on how to grow rice by his cooperative. He will use a Kiva loan to support labor costs during rice production: nursery, transplanting, field management, guarding birds, and lately 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