A loan of $1,150 helped to buy and harvest seeds and to pay for labor costs.


Immaculee's story

Immaculee is married and has three children. Her husband works as a cobbler. She has been a maize farmer for 7 years. She wants this loan to buy more seeds, for seed multiplication [production of seeds for sale or for future planting] and to pay for labor costs to get the best harvest. She wants to use the profits for renovating her house.

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


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Loan details