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Epiphanie is 30 years old and is married with three children who are between 6 and 10 years old. She earns a living by selling goods such as lotions, soap, sugar, salt, drinks, cakes and so on. This is her second successful year in business. Her business is well-organized. She operates her business from 8 am until 7 pm every day. She employs one person to help her.

Epiphanie has requested a Kiva loan via Vision Finance Company in order to expand her business by buying more lotions, soap, sugar, salt, drinks, cakes and so on for resale. By adding more goods and workers, she hopes to earn more profit. With this profit, she will save for her family, pay school fees for her children and reinvest in her business.

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
  • 25
    View loans »
    Rwanda Loans Fundraising
  • $13,392,250
    Funds lent in using Kiva
  • 593.0
    Rwanda Francs (RWF) = $1 USD