A loan of $1,300 helped to buy fertilizers and pay labor costs during rice production.


Joseph's story

Joseph is 40 years old. He is married with five children. He has been a rice farmer for the past 20 years. With the loan, he would like to buy fertilizers and pay labor costs during rice production. The profits from rice production will be used to light in his house by installing electricity in the 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