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Greetings from M. Joselyne who is 24 years old and married. She and her husband have one child of 9 months, and she takes care of two orphans, 16 and 18 years old. This family currently lives in Gasabo, a district of Kigali City, the capital of Rwanda.

M. Joselyne is an entrepreneur who operates her business in Kigali City where she owns a retail shop selling different kinds of merchandise. Her husband produces a regular income of $240 per month.

Joselyne is seeking her first loan from Vision Finance Company of 500,000 Rwf to be repaid within 8 months. She has been running the same business since 2007 and has no employees. She does her daily work from 6:00 to 9:30 p.m. She earns a monthly profit of approximately $55.

With this loan Joselyne intends to expand her business and, from the increased profits, she will buy a house and have more savings.

Additional Information

About Vision Finance Company s.a – Rwanda (VFC)

Vision Finance Company (VFC) was Kiva's first partner in Rwanda. Established in 1999, VFC is an affiliate of World Vision International. Since its founding, VFC has been committed to alleviating poverty in Rwanda by ensuring that poor people have access to credit to support business initiatives that will improve their life circumstances.

VFC has a broad set of products and services, offering Community Banking services for self-selected groups of 10-30 borrowers, Solidarity Group services for more experienced groups of entrepreneurs, and Individual Loans for customers who already have a small established business. Vision Finance is also among the very few financial institutions targeting farmers and providing agricultural credit options in Rwanda, where access to credit is critical to the success of agricultural enterprises.

About Rwanda

  • $1,000
    Average annual income
  • 22
    View loans »
    Rwanda Loans Fundraising
  • $13,429,800
    Funds lent in using Kiva
  • 566.4
    Rwanda Francs (RWF) = $1 USD