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Joseline is 27 years old and is a widow, with two children between the ages of 1 and 3 years. Her business is well-organized. Joseline sells bread in her market, and she employs three people in her business. Joseline runs her business from 6am until 7pm every day, and she has two years experience.

Joseline has requested a loan from Kiva lenders in order to purchase more bread to sell. With a profit, she will reinvest in her business and save in the 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
  • 105
    View loans »
    Rwanda Loans Fundraising
  • $13,468,725
    Funds lent in using Kiva
  • 590.0
    Rwanda Francs (RWF) = $1 USD