A loan of $875 helped to buy more fertilizers and seeds and to pay for labor costs.


Agnes's story

Agnes is married with eight children with ages between 3 and 16. Three of them go to school. She has been a rice farmer for 1 year. She would like to get this Kiva loan to buy fertilizers and seeds and to pay for labor to get the best harvest. With the profits, she plans to expand her planting area to get more output.The people behind Agnes in the picture are her fellow borrowers.

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 under-served 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.



Loan details


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Loan details