A loan of $1,250 helped buy fertilizer and pay labor cost for maize production.


Constance's story

Constance is 62 years old. She is married to a farmer. She has been a maize farmer for 12 years. Constance plans to use this Kiva loan to pay labor costs and buy fertilizer for 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.

This photo was taken recently at a previous maize farming plantation. Constance was very happy and excited that the previous season was very helpful for both her family needs and her 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.



Loan details


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Loan details