A loan of $750 helped to buy more fertilizers and support the labor costs in the maize production.


Samuel's story

Samuel is 24 years old. He is single. He has been a maize farmer for four years. He plans to use the Kiva loan to support labor costs and buy fertilizer during maize production. He needs to buy fertilizer in order to increase his production. With profits from his farming, he wishes to invest in his business so that, in the future, he can acquire machines like tractors that will enhance his farming capacity. The photo was taken recently at another maize farming plantation. Samuel was very happy and excited that the previous season was very helpful for both family needs and business. The agriculture sector accounts for 37 percent of Rwanda's gross domestic product, generates 65 percent of Rwanda's export revenue, and employs approximately 90 percent 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 under-served 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