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Emmanuel N. is 20 years old and single. He lives with other family members in Bugesera district, a western province of Rwanda where he owns a small retail shop. This general store sells different kinds of products and has been in operation since 2007. He works by himself in the store, which is open everyday from 6 a.m. to 9 p.m.

Emmanuel is requesting a loan from Vision Finance Company in order to increase his business. He will use the loan to purchase more merchandise for sale in his store to attract more customers and serve existing customers better.

According the Emmanuel, the projected profits from the business, aided by the loan, are approximately 170,000 RWF ($300) per month. He hopes to save enough money to buy his own house and to save money as well to make a better future for himself.

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
  • 31
    View loans »
    Rwanda Loans Fundraising
  • $13,326,100
    Funds lent in using Kiva
  • 569.0
    Rwanda Francs (RWF) = $1 USD