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Speciose
Speciose is 44 years old and married. Speciose and her husband take care of 3 dependents aged 9,12, and 20. Speciose and her family live in the northern province of Rwanda, in a place called Nyarugenge, which is approximately 3 hours' drive from Kigali, the capital city of Rwanda. Here, Speciose has had her own butcher shop for the past four years. The demands of her business require that she work from 6 AM to 7 PM every day except Sunday.



This is Speciose's second loan; she paid back her first loan in full and on time. Her business has been a bit slow recently and her working capital is strained. Speciose believes that if she gets her second loan, she will be able to supply sufficient meat and meat products to her customers and purchase needed supplies. Any profits that Speciose earns from the products that she purchases with this loan she will reinvest in her business to strengthen her balance sheet.

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
  • 566.0
    Rwanda Francs (RWF) = $1 USD