A loan of $1,000 helped to buy seeds and support labor costs.


Josephine's story

Josephine is 27. She is married and has three children.

Her husband works as a farmer. She has been in the maize farming for 14 years. With the loan, she wants to buy more seeds and support labor costs. With the profits from the business, she wants to a buy a tractor that can help in digging enough space for the future output.

The photo was taken recently at the previous maize plantation and she 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