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Epiphanie is 37 years old and is married with three children who are 2, 5 and 7 years old. She also takes care of two relatives who are 11 and 14 years old.

Epiphanie is a self-employed businesswoman selling a variety of goods, as her photo indicates. Those goods include cosmetics products like body lotion and toothpaste as well as foodstuffs like rice, sugar, flour and cooking oil. Her shop is open from 6 a.m. to 6 p.m. every day.

Epiphanie is now requesting a Kiva loan via Vision Finance Company in order to expand her shop by purchasing a large quantity of sugar and rice, as they are in high demand.

With this large quantity, she will also start wholesaling. In doing so, she hopes to earn more profits which, in turn, will allow her to renovate her house, continue paying school fees for her two relatives, as well as build a secure future for her three children.

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
  • 27
    View loans »
    Rwanda Loans Fundraising
  • $13,367,925
    Funds lent in using Kiva
  • 581.9
    Rwanda Francs (RWF) = $1 USD