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Joseph is 31 years old and is married with four children. He sells rice. He has four years of experience with this business, and he works from 7 a.m. until 5 p.m. every day of the week except Sunday.

Joseph has requested a loan via Vision Finance Company, Kiva's field partner, in order to purchase a huge quantity of rice for resale. With any profits, Joseph plans to reinvest in his business, save for his future and buy medical insurance for his family.

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
  • 30
    View loans »
    Rwanda Loans Fundraising
  • $13,326,100
    Funds lent in using Kiva
  • 630.7
    Rwanda Francs (RWF) = $1 USD