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Damien is 34 years old, married, and has three children between three and seven years old. He sells charcoal. The borrower put leaves on the sacks of charcoal to cover and then sales sacks in wholesale not in retail. He has three years of experience in this business. He works from 7:00 a.m. until 8:00 p.m. every weekday and he currently employs one person to help him.

Damien has requested a loan from Kiva lenders via Vision Finance Company to expand his business by purchasing more charcoal covered in the sacks for sale. Once his business is expanded, he hopes to reinvest in this business and to save for 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
  • 33
    View loans »
    Rwanda Loans Fundraising
  • $13,303,700
    Funds lent in using Kiva
  • 591.0
    Rwanda Francs (RWF) = $1 USD