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Tonin is 32 and a married father of two little kids, 3 and 1 year old. He and his family live in northwest Albania. He comes from a family that falls under the poverty line and he claims that for long time while he was growing up, he did not understand why he had to live so poorly. “My eyes were always full of tears and everyone could sense the sadness I was in all the time. Until one day, World Vision Albania started its activity in my region and my family was helped. Even though I was not a child any more, I still benefited from the program, and I can’t thank them enough”, he claimes.

Tonin’s source of income has been through livestock (cows and goats) activities for the past couple years and he sells milk and baby animals to locals. He started to build a separate stable for the goats in the summer, yet the money was not enough. This is the reason why he is in need of this loan and prays that lenders will help him financially.

Tonin’s only objective in life is to give his children a much better life from what he has had and he works very hard to achieve that.

Additional Information

More information about this loan

This loan is part of VisionFund Albania's value chain project designed to address the needs of extremely poor clients. The project has selected 90 clients from Area Development Projects and local economic empowerment projects run by WorldVision Albania (WVA) to serve the very poor. It will focus on livestock and agriculture financing, technical assistance, entrepreneurial skills training and expanding market access for clients' products. Importantly, interest rate payments will be covered by WVA. By supporting this loan, you are providing opportunity to some of the poorest people in rural Albania who have little to no access to credit, even through basic microfinance institutions.

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
  • 24
    View loans »
    Albania Loans Fundraising
  • $2,671,075
    Funds lent in using Kiva
  • 107.8
    Albania Leke (ALL) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,800 helped Tonin to finish building his goats' stable before the end of this month.
99% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 5, 2012
Currency Exchange Loss:
May 17, 2015