A loan of $1,325 helped to buy fertilizers and pay labor costs.


Athanasie's story

Athanasie is 38 years old. She is married to a farmer. She has been a maize farmer for 16 years. She will use her Kiva loan to pay labor costs and buy fertilizer to produce maize. 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 taken was at a previous maize ground, which the borrower will still use for this new season. 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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