A loan of $1,175 helped to buy more fertilizer and support labor costs of maize production.


Pelagie's story

Pelagie is 42 years old. She is married to a farmer and they have five children who are enrolled in school. She has been a maize farmer for 20 years. She will use her Kiva loan to support labor costs of maize production and buy fertilizer in order to increase production. With her profits from farming, Pelagie wishes to invest in her business so that in the future, she can acquire machines such as tractors to enhance her farming capacity. This photo was taken recently at a maize farming plantation. Pelagie was very happy and excited that the previous season was very helpful for both her family's 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 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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