A loan of $1,300 helped to buy more fertiliser and support labor costs in the maize production.


Anualitha's story

Anualitha is 29 years old. She is married to a farmer. He has been a maize farmer for seven years. She will use the Kiva loan to support labor costs and 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 a previous maize farming plantation. Anualitha was very happy and excited that previous season was very helpful for both family needs and business. The agricultural 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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