A loan of $1,850 helped to buy more fertilizers and to pay for labor costs during rice production.


Charlotte's story

Charlotte is 32 years old. She would like to use a Kiva loan to pay for labor costs and to buy fertilizers during rice production, as she needs to buy fertilizer in order to increase production. With profits from her farming, Charlotte wishes to invest in her business so that in the future, she can acquire machinery and tractors that will 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