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Joel is 39 years old and is married with five children who are between 3 and 15 years old. His wife is working as a salesperson at Rwanda Motors. Joel is known in the business of selling new clothes, mainly men’s clothes. He has been in this business for about five years and his boutique is open from 7am until 6pm every day except Saturday. He currently employs one person.

Joel has requested a loan to help expand his business through adding new men's pants, shirts and other styles. With this loan, he has a vision of wholesaling and retailing at the same time so that he can increase his revenue. If successful, Joel hopes to continue building a secure future for his family.

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
  • 101
    View loans »
    Rwanda Loans Fundraising
  • $13,479,850
    Funds lent in using Kiva
  • 588.0
    Rwanda Francs (RWF) = $1 USD