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Philomene is 45 years old and is married. She has five children, aged between 7 and 31 years old. She takes care of one dependent who is 12 years old. Philomene sells various goods such as: colgate, lotions, pens, etc. Her business is well known and well organized and she has 12 years of experience in this business. She currently employs six people to help her and she works from 6am to 7pm daily, all week except on Saturday.

Philomene has requested her loan from Kiva, via Vision Finance Company, in order to purchase various goods such as: Colgate, lotions, pens, etc to sell. With any profits, Philomene will be able to save money for her future, reinvest in her business and she will be able to pay children school fees.

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
  • 24
    View loans »
    Rwanda Loans Fundraising
  • $13,429,800
    Funds lent in using Kiva
  • 593.0
    Rwanda Francs (RWF) = $1 USD