A loan of $1,150 helped to buy fertilizers and support labor costs during maize production.


Jean Damascene's story

Jean Damascene is 38 years old and he is married to a farmer. He has been a maize farmer for 10 years.

He wants a Kiva loan to buy fertilizers, for seed multiplication and to support labor costs. The profits from the business will be used to reinvest in the business of farming. The photo was taken at the place they normally use to meet and not at his farm.

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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