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Zoje is 60 years old and is married, yet she doesn’t have any children. She lives in northern Albania. The village where she has been residing for a long time now gets slammed by lots of rains almost every year. Despite the flooding, she manages to keep milk cows. From the milk the cows produce, she makes delicious and good quality butter, cheese, and cottage cheese that she sells to the locals.

Throughout the past 10 years she has been enjoying a steady growth that makes her happy.

Zoje wants to add another dairy cow this time and is applying for a loan from Kiva through VisionFund Albania. The amount she is requesting is 150,000 Albanian Lek and she hopes that she will be getting this amount from lenders. This will be her third loan. Her other loans have been paid in full.

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 Albania

  • $10,700
    Average annual income
  • 35
    View loans »
    Albania Loans Fundraising
  • $2,885,025
    Funds lent in using Kiva
  • 106.4
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Zoje to buy a dairy cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 14, 2012
Jan 1, 2013
Currency Exchange Loss:
Jul 17, 2014