A loan of $1,375 helped to buy more fertilizers and to pay labor costs during rice production.


Xavier's story

Xavier is 26 years old. He has one child, age one. His wife works as a farmer. With the loan, he would like to buy more fertilizers and pay labor costs for use during rice production. With the profits from the business he will take care of the rest of the family's concerns which may arise. 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