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Flora is a forty-nine-year-old widowed mother of two; twenty and eighteen year old. The oldest child is a university student and the youngest, a daughter, is graduating soon from high school. Livestock has been her business for the past twelve something years. She owns two cows from a very good breed that they both produce about sixty kilograms of milk a day. She then sells the calves to the locals and the milk to dairy farms for cheese and yogurt making. Her business has been doing well and she has established a strong clientele. Never before she thought that she would need any loans until this past year when her husband suddenly passed away. At that time she had just paid for her son’s university and with the rest of the money, she covered the burial expenses. Until recently, her plans of repairing the stable remained just plans.
She is a good taxpayer and a provider of her family. People who referred Flora to VFA said that she is the most reliable person that they have ever known. Flora thanks in advance all potential Kiva lenders.

Additional Information

About VisionFund Albania

VisionFund Albania is a micro-finance subsidiary of child hunger nonprofit World Vision International. Striving to improve child welfare, the organization offers a variety of loan products designed for rural, traditionally underserved clients and their families. These products include agriculture, business and household improvement loans, as well as "integration loans" targeted to help the poorest, most vulnerable Albanian households acquire value chain resources.

While VFA is focused on the empowerment of the poor overall, it pays special attention to women. About 60% of loans to entrepreneurs on Kiva go to women.

About Albania

  • $10,700
    Average annual income
  • 37
    View loans »
    Albania Loans Fundraising
  • $2,885,025
    Funds lent in using Kiva
  • 111.7
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,800 helped Flora to repair a damaged cow stable.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 11, 2012
Jun 5, 2012
Currency Exchange Loss:
Jan 18, 2014