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Ernestine, a 30-year-old married mother of three children between the ages three and six years old, is a self-employed businesswoman selling a variety of goods, as her photo indicates. Those goods include cosmetic products such as body lotion and toothpaste as well as foodstuffs including rice, sugar, flour and cooking oil. In business for six years, her shop is open from 6 a.m. until 6 p.m. everyday.

Ernestine will use this loan to purchase a large quantity of sugar and rice, as they are in high demand. With this large quantity, she will also start wholesaling as she hopes to earn more profit to help provide for her 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
  • 27
    View loans »
    Rwanda Loans Fundraising
  • $13,367,925
    Funds lent in using Kiva
  • 593.5
    Rwanda Francs (RWF) = $1 USD