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Frederic Francois
Francois was born in 1988 and is married with three children: the first one is 18, the next is 14, and the last is 12. There is no one else in his family who works and, for that reason, he has to work hard so that he can provide all the basic needs of his family.

Francois is seasoned enough in his business, obviously, because he has four years of experience. The hours of his business are from 6 in the morning to 6 in the evening, every day.

Francois is requesting a Kiva loan via Vision Finance Company in order to expand his business through purchasing more bales of clothes to sell. This expansion will allow him to satisfy his customers and attract new ones as well.

With the profits that Francois expects to earn, he will reinvest in his business and pay his children’s school fees.

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
  • 33
    View loans »
    Rwanda Loans Fundraising
  • $13,303,700
    Funds lent in using Kiva
  • 587.4
    Rwanda Francs (RWF) = $1 USD