A loan of $875 helped to buy fertilizers, seeds, and labor support.


Seraphine's story

Seraphine is married with one child who is 12 years old. Her husband works as a tax collector. She has been a rice farmer for 1 year. She would like to get this Kiva loan to buy fertilizers, seeds, and support labor to get the best harvest. With the profits, she plans to expand the area she has been using to get more output and build savings. In the picture, the borrowers lined for the photos after filling the Kiva forms in their hands.

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