Kristina is in her late forties. She is married and has three children ranging from twenty-nine to twenty-three years old. They all live in northern Albania, in a village with beautiful scenery across the coastline on the Adriatic Sea. Kristina has been in the livestock business for the past seven years. She has been making dairy products and selling animals. “The profit has been great and the clientele is growing,” she says.
She is requesting a loan to build a stable. This would be her first loan. Kristina is an animal lover; she wants to build a place for them where they can eat, rest and sleep better. She says, “I no longer want to have my animals staying outside under weather conditions, whether cold or hot.”
Her plans are to expand her business once the stable is built, so she can fit in more animals. In order to accomplish this, she is seeking a loan from KIVA's lenders. Kristina is known as a responsible person. People in the village comment on her good nature.
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.