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


Agnes's story

Agnes is 48 years old. She is married to a farmer and they have seven children. She has been a maize farmer for 18 years. She will use her Kiva loan to pay labor costs and buy fertilizer during maize production: She needs to buy fertilizer in order to increase her 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 another maize farming plantation. Agnes 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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