A loan of $1,225 helped to buy more fertilizer and hire workers to help with his crop.


Bernard's story

Bernard is 54 years old. He and his wife are farmers and have been growing maize for the last 20 years. He has requested a Kiva loan to buy more fertilizer and to hire workers to help harvest his crop. He will use the profit he earns from farming to buy more land. Behind him in the photo we see some of the other people who are members of his farming cooperative.

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