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Xhensila has been excited ever since she was told that she was selected from the integration projects to be one of their beneficiaries. She has wanted to buy a dairy cow for so long, and now she has been given the opportunity to buy one. She is extremely grateful to all three organizations.

Xhensila is a 23-year-old young mother of one child who lives in rural southeastern Albania with her family. Three years ago, as a newlywed, she started running her small agriculture and livestock business in an attempt to bring home an income. Since then, she has been planting and selling vegetables and grains, and also selling a bit of dairy to the locals. “You find young people in my age leaving the rural in search of a better life, and yet, they remain jobless in the city because there are no employment opportunities. So, I decided to do something here in my village and I have no regrets,” she said.

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
  • 35
    View loans »
    Albania Loans Fundraising
  • $2,885,025
    Funds lent in using Kiva
  • 107.6
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,875 helped Xhensila to buy a dairy cow.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Apr 23, 2013
Jun 1, 2013
Currency Exchange Loss:
Oct 17, 2015