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Guralie lives in a rural village in southern Albania with her husband and their two children, 13 and 2 years old. Even though her husband has been working in construction for the past seven years, the income he generates isn't sufficient to cover home renovations. Thus, last year they added some more young cows to their existing herd in order to improve their incomes. In two months' time, those cows should produce some milk.

Guralie is requesting a loan to renovate her rundown family home. This will be her second loan, the previous one having been repaid on time.

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
  • 27
    View loans »
    Albania Loans Fundraising
  • $2,737,725
    Funds lent in using Kiva
  • 107.8
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Guralie to renovate their rundown home.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Apr 1, 2013
Currency Exchange Loss:
Feb 17, 2014