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Greetings from Bernadette N., a 31-year-old married mother of two children of five and seven years old. Bernadette lives with her family in the Gasabo District of Kigali city, the capital of Rwanda.

Bernadette owns a shop selling different kinds of products, both consumable and non-consumable, while her husband does not earn any kind of income. She has been in the same business for six years and employs two people. Her daily work starts at 6am and finishes at 11pm. Bernadette is seeking her second loan worth 600,000 RWF from Kiva partner, Vision Finance Company and will be paid in 12 months. Her first loan was valued at 521,075 RWF. with her first loan Bernadette has earned approximately $145 USD monthly profit. With the new loan she intends to buy another house in which she will be storing merchandise, and with the profits from the loan she hopes to have more savings.

Additional Information

More information about this loan

This loan helps low-income entrepreneurs in Rwanda grow their businesses and, ultimately, to support their families. These loans typically serve very poor and rural clients and particularly women, who often lack access to the traditional collateral needed for a loan. VFC serves these entrepreneurs through both individual and group loans and provides them with financial education and tools for them to save money for the future. By supporting this loan, you are helping Rwandan entrepreneurs build the means to support their families and improve their lives.

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

Vision Finance Company, soon to be known as Vision Fund Rwanda (VFR), is the microfinance subsidiary of World Vision and is one of the largest microfinance institutions serving rural underprivileged communities in Rwanda, many of which do not have access to formal financial services.

VFC serves people and communities that are economically productive but low-income, especially in very rural areas. This includes small business owners and salary earners who are looking for opportunities to provide better lives for their families and a promising future for their children.

About Rwanda

  • $1,700
    Average annual income
  • 12
    View loans »
    Rwanda Loans Fundraising
  • $15,423,225
    Funds lent in using Kiva
  • 566.4
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Bernadette to buy a house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 22, 2009
May 21, 2009
Currency Exchange Loss:
Jun 17, 2010