A loan of $950 helped to buy fertilizers and support labor costs during maize production.


Jean Baptiste's story

Jean Baptiste is aged 49. His wife works as a farmer and they have two children. He has been a maize farmer for 15 years. He wants a Kiva loan to buy fertilizers and support labor costs. He would like to use the profits to pay school fees for the children. 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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Loan details