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Emmanuel is 39 years old. He is married and has three children. He owns a barber shop. He has been in business for two years and he works from 7:00 AM until 8:00 PM every day except Saturday. He currently employs three people to help him.

Emmanuel has requested a Kiva loan via Vision Finance Company in order to expand his barber shop business by buying new materials and chairs. With any profit generated by the loan, he will be able to save for his future, to reinvest in his business and to pay school fees for his children.

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
  • 25
    View loans »
    Rwanda Loans Fundraising
  • $13,391,375
    Funds lent in using Kiva
  • 595.0
    Rwanda Francs (RWF) = $1 USD