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Joel
Joel is 23 years old and is single. He has one year's experience selling various goods such as watches, glasses and bags. The hours of his business are from 7am to 8pm every day.

Joel has requested a loan to purchase stock of watches, glasses and bags to sell. With any profits from the loan, Joel would like to satisfy his family`s basic needs and start saving for his 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
  • 87
    View loans »
    Rwanda Loans Fundraising
  • $12,777,600
    Funds lent in using Kiva
  • 595.0
    Rwanda Francs (RWF) = $1 USD