A loan of $1,050 helped to buy fertilisers, seeds and pay for labor.


Baptiste's story

Baptiste is married with six children aged between 5 and 18. They are all enrolled in school. His wife works as a farmer. He has been a rice farmer for 6 years. He would like this loan to buy fertilizers, seeds and to pay for labor to get the best harvest. With the profits, he plans to expand the area he has been using to produce more and to pay for his children's school fees. Behind him in the photo are the agriculture borrowers lining up to be photographed by the lending staff.

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