A loan of $1,825 helped to pay for a warehouse/store construction for maize produce.


Dative's story

Dative is 25 years old. She is married with three children and they all go to school. Her husband worked as a farmer for the past 12 years in field of farming, and they all enjoy farming, especially maize. This is a new loan product from Urwego Opportunity Bank (UOB) which will help in the construction of the warehouse or store for their maize produce while they are waiting for their harvest to be bought by the buyers. This constructed infrastructure will even help the entire community to have a secure store for their produce in the future. UOB’s farmer clients are benefiting from production financing which is significantly increasing their yield or production; however, during the post-harvest processes, they are suffering from lack of income as they have to wait for the buyer to pay them.

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