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Emmanuel is 50 years old and is married with two children. He and his family live in the Nyarugenge district of Kigali, the capital city of Rwanda.

Emmanuel lives by selling charcoal in this area and this is his eighth successful year in this business. The hours of his business are from 6 a.m. to 9 p.m. every day.

Emmanuel is now requesting a Kiva loan via Vision Finance Company so that he can expand his business through purchasing more sacks of charcoal. With this loan, Emmanuel hopes that the number of his customers will increase as well as his profits.

With these profits, Emmanuel will use one portion of his profits for reinvestment in his business and, in addition, he will keep taking care of his family through doing whatever is positive for them.

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
  • 42
    View loans »
    Rwanda Loans Fundraising
  • $13,302,075
    Funds lent in using Kiva
  • 573.0
    Rwanda Francs (RWF) = $1 USD