A loan of $1,975 helped to buy more fertilizer and support labor costs during maize production.


Grace's story

Grace is age 35. She is a mother of three, all of whom go to school.

She will use the Kiva loan to buy fertilizer and to support labor costs during maize production. She needs to buy fertilizer in order to increase her 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 under served 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


Lenders and lending teams



Loan details