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


Landouard's story

Landouard is 48 years old, married, and has eight children. He has been a maize farmer for 20 years. He is requesting a loan, which he will use to support labor costs and to purchase fertilizer during maize production. He needs the fertilizer in order to increase his production. With profits from his farming he plans to invest in his business so that in the future he can acquire farm machinery that will enhance his farming capacity.

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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