A loan of $800 helped to buy more fertilizers and support the labor costs associated with her maize crop.


Ester's story

Ester is 50 years old. She is married to a farmer and they have been farming maize for 30 years. She has requested a Kiva loan to buy more fertilizers, and pay labor costs associated with their maize crop. The profits from the farming will be used to pay 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