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Pascal
Pascal, a 29-year-old married father of a two-year-old, operates a well-organized business selling cows. He has two years of experience and currently employs two people to help him.



Pascal has requested a loan from Kiva partner Vision Finance Company to buy more cows for resale. With the profit from this loan, Pascal will be able to build his own house and reinvest in his business.

Additional Information

More information about this loan

This loan is part of Vision Finance Company's Koramuhinzi ("Farmer, please work") program designed to serve poor entrepreneurs working in agriculture and livestock in rural communities. This type of loan, available to both individuals and groups, is repaid in full at the end of the loan term, allowing borrowers to repay only after crops are harvested or livestock are sold.

This flexibility is critical in Rwanda where 85% of the population is employed in agriculture, but many formal financial institutions consider the sector to be too risky to invest. By funding this loan, you are expanding opportunity to farmers with limited options.

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
  • 28
    View loans »
    Rwanda Loans Fundraising
  • $13,351,700
    Funds lent in using Kiva
  • 603.0
    Rwanda Francs (RWF) = $1 USD