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Emmanuel, age 30 and married, owns and operates a shop where he sells a variety of goods. Emmanuel has owned his shop for seven years and is well known in his community. The hours of his business are from 7 a.m. until 8 a.m. every day. Emmanuel employs two people in his business.

Emmanuel is requesting a Kiva loan via Vision Finance Company. With this loan, Emmanuel will expand his business by investing in the sale of foodstuffs such as beans, rice, cooking oil, and sugar. He has high hopes that his revenue will increase as a result of such an investment. If successful, Emmanuel will keep reinvesting in his business for better financial stability, with the ultimate goal of better providing 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
  • 27
    View loans »
    Rwanda Loans Fundraising
  • $13,367,925
    Funds lent in using Kiva
  • 590.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Emmanuel to buy a variety of goods, mainly foodstuffs such as beans, rice, and sugar, to offer for sale in his shop.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 14, 2011
Mar 9, 2011
Currency Exchange Loss:
Nov 15, 2011