A loan of $775 helped to pay for labour on his rice farm.


Azarius's story

Azarius is a rice farmer. He has been doing this work for the past five years. His parents taught him how to be a rice farmer. He will use this Kiva loan to support labor costs during rice production: growing seedlings in the nursery, transplanting, field management, guarding against 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