A loan of $1,150 helped to buy seeds and fertilisers and hire additional labor.


Emmanuel's story

Emmanuel is married. He has three children aged between four and nine. They all go to school. He has been a rice farmer for seven years. He would like to get this loan to buy fertilizers, seeds, and hire additional labor to get the best harvest. With the profits, he plans to expand the area he has been using to get more out, and put aside more savings so that he can aim for better sustainability. 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.



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Loan details