A loan of $1,000 helped to buy fertilizer and hire workers to help with his maize production.


Emmanuel's story

Emmanuel is 35 years old and has earned a living as a maize farmer for the last 15 years. His wife is also a farmer. He is requesting a loan from Kiva to buy fertilizer and hire laborers to help out during the busiest parts of the year. This loan will help him increase his profits and eventually acquire machines like tractors to further enhance his farm's output. This photo taken recently at a maize farm where Emmanuel was very happy and excited because his most recent crop allowed him to take better care of his family and invest in his business.

Agriculture 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 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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Loan details