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Joyce
Joyce is 36 years old and is married with four children who are between 6 and 15 years old.

Joyce owns a restaurant where she sells tea and some pastries. She has been in this business for about seven years and her small restaurant is open from early in the morning until late in the evening.

Joyce needs to request a Kiva loan via Vision Finance Company to expand her business through increasing the size of the place where she operates her business. After getting enough space, she will also buy some additional equipment so that her customers can feel comfortable with her service.

If successful, Joyce will hopefully earn more profits which, in turn, will allow her to continue taking care of her family and save for her 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
  • 94
    View loans »
    Rwanda Loans Fundraising
  • $13,450,325
    Funds lent in using Kiva
  • 586.0
    Rwanda Francs (RWF) = $1 USD