A loan of $1,450 helped to buy more fertilizers and to support labor costs during maize production.


Emmanuel's story

Emmanuel, aged 33, is married and has three children, all attending school. He would like to use this Kiva loan to support labor costs and to buy fertilizers during maize production. He needs to buy fertilizer in order to increase production. With profits from his farming, Emmanuel wishes to invest in his business so that, in the future, he can acquire machines and tractors that will enhance his 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