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Empowering Smallholder Farmers in Rwanda

Micro-loans straight to your phone

Convenient Micro-loans: Access micro-loans directly on your phone

Simple Application Process: Apply online easily

Loan Amount: Borrow as little as 100,000 RWF

Seamless Disbursement: Funds disbursed directly to your bank account or e-wallet

Apply for a loan

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We enable opportunities.

Access to micro loans, via your phone.

How can we help you?

Hereby our answers to frequently asked questions.

How much can I borrow max?

You can borrow a loan amount between 100.000 - 500.000 RWF. Your income should be at least twice as the loan amount you are requesting.

Do I need a Guarantor to get a loan?

You need to be part of a cooperative. The cooperative will act as your guarantor.

Do I need to have a smartphone to get a loan?

You do not have to own a smartphone. You can use a smartphone of someone else. However, you need to have a mobile telephone number which you need to enter during the registration process.

Do I need to have a bank account to get a loan?

You need to have a bank account or mobile wallet to receive the loan amount. 

Do I need to have collateral to get a loan?

You don’t need to have collateral to qualify for a loan. 

How much is the interest rate?

The interest rate is 8% per season (6 months).

When can I get my loan?

You will receive the loan amount once the Guarantor and the bank have agreed upon the request.

When do I have to repay the loan?

You will have to repay 6 months after receiving the loan amount.

Can I get another loan while my current one is still running?

No, you must finish paying off your current loan before you apply for a new loan.

Can I borrow money for someone else?

The loan is registered on your name and you are the one responsible for payback. You can help another person filling in the questions, but the person who is receiving the loan is the one who's signature is needed. 

Can I get the loan amount in cash?

No, the loan amount will be put on a bank account or mobile wallet if you are granted a loan.

How do I need to pay back the money?

You can pay back at the end of the season using your bank account or mobile wallet.

What happens if I can't pay back?

You need to pay back. If you don’t have the money you should look for a solution with your Cooperative.

What if my Cooperative doesn't want to be my guarantor?

You need to have a guarantor in order for you to qualify. 

Who can qualify for a loan?

To be eligible for a loan, you must meet the following criteria:

- You must be at least 18 years old.

- You should be actively engaged in farming Irish potatoes, carrots, or French beans.

- You must be a registered member of one of the listed cooperatives.

- You are required to provide production information for at least two previous farming seasons, demonstrating your experience and commitment to farming.

- You have a bank account or mobile wallet

- You should not have any outstanding or unpaid loans with any financial institution.

Can I make a change in my application after I submitted?

You can change all details before you submit the loan. After submitting you can't go back to the form to change something. So please, check everything before you submit. After submitting you can contact us via ...

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