A loan of $1,325 helped to buy seeds and pay labor costs.


Emmanuel's story

Emmanuel is 27 years old. He is married and has one child. His wife works as a farmer. He has been a maize farmer for 10 years. He wants to use the loan for buying more seeds and to pay for the labor costs. The profits from the business will be used to buy another plot for maize in order to get more output in the future.The photo was taken recently at the previous maize plantation and he says that the last season went well.

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.



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Loan details