A loan of $1,375 helped to buy more fertilizers and pay labor costs during the maize harvest.


Emmanuel's story

Emmanuel is 56 years old. He is married to a farmer and they have been farming maize for 23 years. He has requested a Kiva loan to buy more fertilizers, and pay labor costs for the maize harvest. The profits from farming will be used to pay for his children’s school fees.

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