A loan of $1,225 helped to buy more fertilizers and to pay for labor costs during rice production.


Julienne's story

Julienne is 28 years old and married with two children who are five and seven years old. She has been a rice farmer since 1999, and since then she has grown more tons of rice. Today she is requesting a Kiva loan to buy more fertilizers and to pay for labor costs during rice production. She wants to use the profits to buy a machine to help with her rice production. The agricultural 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