A loan of $1,025 helped to buy more fertilizer and support labor costs during rice productions.


Vincent's story

Vincent is 33 years old. He is married with five children. He has been a rice farmer for the past eight years. He has requested a Kiva loan to buy more fertilizer and support labor costs during rice production. The profits from rice production will be used to maintain the family's basic needs.

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