A loan of $1,325 helped to buy more fertilizers and to pay labor costs during maize production.


Odette's story

Odette is 40 years old. She is married with five children between the ages of 7 and 19. She has requested a Kiva loan to pay labor costs and buy fertilizers during maize production; she needs to buy fertilizer in order to increase production. With profits from her farming, Odette wishes to invest in her business so that in the future she can acquire machines and tractors that will enhance her farming capacity.

The agriculture sector accounts for 37 percent of Rwanda's gross domestic product, generates 65 percent of Rwanda's export revenue, and employs approximately 90 percent 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