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Josephine is 52 years old and is married, with seven children between the ages of 9 and 29 years. She sells vegetables, cooking oil, water, body lotion, etc. in her store. Her business is well-organized. She has one year of experience and she works from 6 A.M. until 10 P.M. every day. Josephine currently employs one person to help her.

She has requested a loan from Kiva lenders, via Vision Finance Company, in order to purchase a large quantity of vegetables, cooking oil, water, and body lotion to sell. With the profits, Josephine will reinvest in her business and will be able to buy a house 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
  • 38
    View loans »
    Rwanda Loans Fundraising
  • $13,303,700
    Funds lent in using Kiva
  • 593.0
    Rwanda Francs (RWF) = $1 USD