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Jotham
Jotham was born in 1975 and remains a bachelor. Jotham owns a small business selling beans. He says that this business is profitable in his region because they are foodstuffs that each family in Rwanda uses. Jotham works hard in order to improve his economy. The hours of his business are from 7 in the morning to 3 in the evening, everyday except Sunday. Jotham is so young in this field. He has one year of experience.


Jotham is requesting a loan from Kiva lenders via Vision Finance Company in order to expand his business through purchasing more beans and other foodstuffs, which can help him attract more customers. This attraction will allow him to sell a large quantity, which is a way to earn more profit. Once the profits accumulate very fast the way Jotham wants, he will try to save money to build or buy his own house. In fact, Jotham needs to get married as long as his target will be reached.

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
  • 49
    View loans »
    Rwanda Loans Fundraising
  • $12,343,975
    Funds lent in using Kiva
  • 581.9
    Rwanda Francs (RWF) = $1 USD