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Joseph is 43 years old, married, and has five children. He owns a small shop where he sells soap, bread, rice, beans, cooking oil, sugar and so on. This is his fifth year in business and he works from 6 a.m. until 8 p.m. every day.

Joseph has requested a this loan through Kiva field partner Vision Finance Company to buy more cooking oil, bread, books, and soap to sell. He plans to revinvest any profits back into his business and wants to be able to pay his children's 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
  • 36
    View loans »
    Rwanda Loans Fundraising
  • $13,303,700
    Funds lent in using Kiva
  • 595.0
    Rwanda Francs (RWF) = $1 USD