A loan of $1,275 helped to buy fertilizers and pay for labor costs during maize harvesting.


Justin's story

Justin is 30 years old. He is married to a farmer and they have been farming maize for 12 years. He has requested a Kiva loan to buy more fertilizers, and pay labor costs for maize harvesting. The profits from farming will be used to renovate his house.

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