A loan of $1,000 helped to buy fertilizers and to support labor costs during maize production.


Jean Nepo's story

Jean Nepo is 48 years of age. His wife died recently, but she left four children with him. He has been a maize farmer for 17 years. He will use the Kiva loan to support labor costs and to purchase fertilizers during his maize production. He needs to buy fertilizer in order to increase his production. He wishes to invest the profits from his farming back into 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. Jean was very happy and excited that the previous season was very helpful for both his family's 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 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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