A loan of $1,500 helped to buy more seed and pay for labor on his farm.


Emmanuel's story

Emmanuel is married with two children aged two and a half and fourteen. The oldest attends school.


For the past four years Emmanuel and his wife have farmed maize. He is applying for a 892,500 RWF loan from UOB to buy more seed and pay for labor on his farm in order to realize the best harvest he can. With his profits he plans to pay school fees and renovate the family’s house.


As of 2009 the agriculture sector has accounted for 37% of Rwanda's gross domestic product, generates 65% of Rwanda's export revenue, and employs approximately 90% of Rwandans. 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