A loan of $1,250 helped to buy more fertilizers and support labor costs in maize production.


Xavier's story

Xavier is 45 years old. He is married to a farmer and has four children.

He has been a maize farmer for five years. He will 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 a previous maize farming plantation. Xavier was very happy and excited that the previous season was very helpful for both his family needs and his 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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Loan details