A loan of $1,275 helped to buy more fertilizer and cover labor costs during rice production.

Marceline's story

Marceline is 48 years old. She is married with three children. She has spent more than ten years in rice farming. She would like to use a Kiva loan to cover labor costs and buy fertilizer during rice production. She needs to buy fertilizer in order to increase production. With the profits from her farming she wishes to invest in her business so that in the future she can acquire machines and tractors to enhance her farming capacity.

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