A loan of $1,325 helped to buy more fertilizers to help boost his rice harvest.


Emmanuel's story

Emmanuel is 51 years old. He is married to a farmer and has five children, who all go to school. He has requested a Kiva loan to buy fertilizers to have a better rice harvest. With the profits, he will provide basic needs for his family as well as paying 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.



Loan details


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Loan details