A loan of $1,950 helped to buy fertilizer for use during rice production.


Mukandekezi's story

Mukandekezi is aged 54. She will use the Kiva loan to buy more fertilizer for use during rice production. She needs to buy fertilizer in order to increase production. With profits from her farming, she 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% 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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