A loan of $1,000 helped to buy more fertilizers and to support the labor costs of maize production.


Clementine's story

Clementine is age 38. She is married and has three children between the ages of 4 and 12, and they all go to schools. She has been a farmer for the past 18 years. She will use the Kiva loan to support labor costs and to buy fertilizer during maize production. She needs to buy fertilizers in order to increase production. With profits from her farming she wishes to invest in her business so that in the future she can acquire machines like tractors that will enhance her farming capacity. 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.



Loan details


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Loan details