A loan of $875 helped to buy seeds and hire workers to help on a farm.


Emmanuel's story

Emmanuel is married and has three children who range in age from three to 14. Two of his children go to school. He has earned a living as a rice farmer for 20 years and is requesting a loan to buy seeds and hire workers to help him on his farm.

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 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.



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Loan details