A loan of $1,250 helped to support labor costs and to buy more fertilizer for use during rice production.


Appolinaire's story

Appolinaire is 35 years old, married and has two children, ages 12 and 15. They both go to school. He has been a rice farmer for the past 15 years. He would like to use his Kiva loan to support labor costs and buy fertilizer during rice production. He needs to buy fertilizer to increase rice production. With profits from his farming, he wishes to pay his children’s school fees.

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.



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Loan details