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Emerance
Emerance, a 46-year-old married mother of six children between 7 and 20 years of age, purchases and sells various goods such as African clothes, books, etc. She has been in this business for one year, working from 7 a.m. to 7 p.m. every weekday.



Emerance has requested a Kiva loan via Vision Finance Company in order to buy more African clothes, books, etc. for resale. With the profits, she will be able to save for her future and reinvest in her business.

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
  • 32
    View loans »
    Rwanda Loans Fundraising
  • $13,303,700
    Funds lent in using Kiva
  • 603.0
    Rwanda Francs (RWF) = $1 USD