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


Emmanuel's story

Emmanuel is 43 years old. He is married with three children. He has been a rice farmer for 10 years. With the loan, he would like to buy fertilizers and pay labor costs during rice production. He is planning to use the profits to buy a cow to provide milk for the family.

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