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Josephine
Josephine is 30 years old, married with two children: one is 3 years old and the other one is just 4 months old. Josephine was a farmer before thinking on how she could start up a business selling a variety of goods in a shop. Josephine lives in Nyamagabe, a region situated in the southern province of Rwanda. It is in this area that, since 2008, she has owned a shop and she is happy because since she started this business, her family situation changed positively. Her shop is open from 7 AM until 6 PM every day.



As the number of her customers keeps growing, Josephine needs to request a Kiva loan via Vision Finance Company so that she can add more goods to her shop which hopefully will increase sales as well as profits. With the profits from this loan, Josephine hopes to do a lot in her life including taking care of her family as well as saving for their future. Josephine has a hope that if her business keeps growing, she will create many sources of income as well as creating more jobs for the people of her community.

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
  • 573.0
    Rwanda Francs (RWF) = $1 USD