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Etienne is 31 years old and is single. He is still living with his parents.

Etienne owns a small grocery business. This business is profitable in his region which is the reason why it was chosen by Etienne as his principal activity. Etienne is seasoned in his business simply because he has two years of experience. The hours of his business are from six in the morning to nine in the evening every day, even during the weekend.

Etienne is now requesting a loan from Kiva lenders via Vision Finance Company for the purpose of growing his business. With this loan he needs to buy a fridge which will be used in his grocery. With the extra profits, Etienne hopes to buy his own house so that he can get married in the future.

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
  • 25
    View loans »
    Rwanda Loans Fundraising
  • $13,391,375
    Funds lent in using Kiva
  • 583.2
    Rwanda Francs (RWF) = $1 USD