A loan of $1,000 helped to buy fertilizers and to pay for labor costs.


Evariste's story

Evariste is 27 years old. He is married to a farmer and has two children. He has been a maize farmer for 10 years. He will use his Kiva loan to pay for labor costs and fertilizer during his 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. Evariste was very happy and excited that the previous season was very helpful for both family needs and business.

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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