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Niko is a Romani man and an extremely hard worker. He is a member of the Roma vulnerable ethnic community of northern Albania. He is forty and has four children ranging in age from fifteen to seven years old, and they all go to school. Niko is proud of the progress he and his family have made in almost every aspect of life after the collapse of the communist regime. His family values education and living and eating properly, and for this he is very appreciative of the newest Albanian regime and the opportunity he was given to immigrate to Greece that brought a life change for all of them.
Niko worked hard in Greece doing various jobs and also worked as a minibus driver for the past five years. Recently, his family settled in Albania due to the economic situation in Greece. Since he will be using his vehicle in the north of Albania now, where winters are very snowy, he wants to prepare the vehicle accordingly. This is the reason why he is requesting a loan now in hope that lenders at Kiva will show their understanding in this matter.

Additional Information

More information about this loan

Roma and Egyptian populations living in Albania are considered vulnerable from a socioeconomic perspective and this loan would be used to support them.

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
  • 36
    View loans »
    Albania Loans Fundraising
  • $2,885,025
    Funds lent in using Kiva
  • 110.2
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Niko to buy winter tires for his minibus.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 30, 2012
Sep 8, 2012
Currency Exchange Loss:
Nov 17, 2013