A loan of $1,000 helped to buy more fertiliser and pay labor costs during maize production.


Celestin's story

Celestin is 35 years old. He is married to a farmer. He has been a maize farmer for eight years. He will use Kiva loan to pay labor costs and buy fertilizer during maize production: 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 taken was at the 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 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.



Loan details


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Loan details