A loan of $1,275 helped to buy more fertilisers and support labor costs on his rice farm.


Joseph's story

Joseph is 50 years old and is married with six children aged between 20 and 13, all of whom go to school. He has been a rice farmer for the past 27 years. With this loan, he would like to buy more fertilizers and to support his labor costs during rice production. The profits from the business will be used to improve the living standards of his family. Joseph can be seen in the photo with fellow rice growers in the background.

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