Emrije is forty-five, married and has three teenage children, one of her children suffer from severe autism. They live in the northeast part of the country, which is characterized by the extreme cold temperatures that affect animals, just like it affects people. This is the reason that Emrije is requesting a loan to build a stable for her animals and this needs to be built just before winter kicks in, starting in the very beginning of October. This is not her first loan, and the previous one has been repaid on time.
For the past ten years, Emrije has been operating a livestock business and has been the only financial provider for her family ever since. Her husband has been helping her as well with the business. “If there is any extra moneys, I would invest it on my children’s education,” she said, “yet, the extra expenses on my sick child and the fact that I am the sole financial provider, doesn’t allow me to save any pennies” she continues saying with her eyes full of tears.
Emrije is extremely thankful to potential Kiva lenders for their understanding.
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.