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Paul, age 42, owns a business selling second-hand clothes at the local market. He works from 8 a.m. until 6 p.m. Monday through Saturday. He currently employs one person to help him.

He and his wife have four children: the youngest is a two-month-old baby and the eldest is 16 years old.

Paul has requested a Kiva loan via Vision Finance Company in order to purchase more second-hand clothing and bags to offer for sale. With the expected profits from the loan, Paul is confident that he will be able to save for his future and to reinvest in his 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
  • 28
    View loans »
    Rwanda Loans Fundraising
  • $13,351,700
    Funds lent in using Kiva
  • 595.0
    Rwanda Francs (RWF) = $1 USD