A loan of $700 helped to buy fertilizers, seeds, and cover labor costs.


Deogratias's story

Deogratias is married and has four children between the ages of 2 and 7. All are enrolled in school. His wife works as a farmer. He has been a rice farmer for nine years. He would like to get this Kiva loan to buy fertilizers and seeds and to pay for support labor to get the best harvest. With the profits, he plans to expand the area he has been using to get a larger output and a nice house. In the background of the picture, other agriculture borrowers are looking on as the photo is being taken.

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