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Ndoc is in his sixties and has five children, ranging in age from twenty-four to thirteen years old. Three of them are still attending school. They have always lived in northern Albania. Ndoc is the only financial provider for his family and he has gotten an early retirement pension. In addition he’s been working as a service person at a gas station for the past five years.

Ndoc’s family's house was in a very bad shape and he started to make major repairs some months back, but didn't have enough money to finish building it. This is the reason why he is requesting a loan now from Kiva, and he desperately needs lenders' financial assistance in this ordeal. There is an urgency to it, because winter is approaching and they have no safe place to stay.

Ndoc appreciates lenders' assistance and wants to thank each one of them in advance.

Additional Information

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Albania

  • $10,700
    Average annual income
  • 23
    View loans »
    Albania Loans Fundraising
  • $2,741,225
    Funds lent in using Kiva
  • 109.8
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Ndoc to repair a rundown family home.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2013