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Helene is 30 years old, married, and has four children aged between 1 and 7 years. In addition, she takes care of six relatives. She sells various goods, such as lotions, soaps, and toothpaste, in her store that she operates from 8 a.m until 6 p.m every day (except on Saturdays). Currently, she employs one person to help her. Helene has four years of experience in this business.

Helene has requested a loan from Kiva lenders via Vision Finance Company, in order to buy various goods to resell, such as those just listed. She plans to use any profits generated from this loan to satisfy her family's basic needs, to save money for her future, and to 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
  • 66
    View loans »
    Rwanda Loans Fundraising
  • $11,850,375
    Funds lent in using Kiva
  • 626.8
    Rwanda Francs (RWF) = $1 USD