A loan of $825 helped to buy fertilizers, seeds and pesticides to grow his crop.


Jean Baptiste's story

Jean Baptiste is married with 6 children aged 4 to 15. He has been a maize farmer for 4 years. He would like a loan to purchase fertilizers, seeds and pesticides to grow his crop. He will use the Kiva loan to support labor costs and to buy fertilizer during maize production. He needs to buy fertilizer in order to increase production. 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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