A loan of $825 helped to buy more fertilizers and seeds and to pay for labor costs.

Bernadette's story

Bernadette is married with four children between the ages of one and one-half years to 15 years. Three of them go to school. She has been a rice farmer for 1 year. She would like to get this loan to pay for fertilizers, seeds, and labor to get the best harvest. With the profits, she plans to expand her planting area to get more output. In the photo, she holds a Kiva form as her fellow borrowers look on.

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.

Loan details

Lenders and lending teams

Loan details