Liljana, 34, is married and has one child. Her husband, who immigrated long ago to a neighboring country, helped her financially in the beginning, but later stopped coming back. Therefore, she no longer gets any help from him.
She lives in a little town in northern Albania, where she works full time in a restaurant. She also works in the farming industry, both with livestock and agriculture. The money she makes is enough for her and her son to live on, and she can even save a bit to improve their living conditions. Recently, she wanted to buy some electrical appliances. She thought that she would be able to pay for them in installments, yet she was told that she had to pay the full amount at the time of purchase.
This is why Liljana is requesting a Kiva loan now. She hopes that the lenders will help her. This would be her third loan from the same institution to which she has proved her responsibility in the past.
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.