A loan of $750 helped to pay for fertilizers and labor costs for maize production.


Jean Bosco's story

Jean Bosco is 41 years old. He is married to a farmer. He has been a maize farmer for 23 years. He will use his Kiva loan to pay for labor costs and fertilizer for his maize fields. He needs to buy fertilizer in order to increase his production. With profits from his farming he wishes to invest in his business so that in the future he can acquire machines like tractors that will enhance his farming capacity. The photo was taken at the previous maize field, 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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