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Zef is a villager from the rural north who has raised six children with his wife. He is in his late sixties but according to him, the physical work he and his wife have been doing from a young age and the fresh air they have been breathing, have kept them strong and healthy. “I come from a persecuted family and like the rest of my immediate and extended family, we truly suffered under the previous regime, but thanks God, for the freedom we found during these past years since the democracy. We are very grateful," Zef added. He works raising livestock.

Zef is requesting a 200,000 ALL loan to help build a new stable. His current stable, seen in the background of this photograph, doesn't look like a stable, according to Zef. He adds, "it is only covered with some cardboards and that’s it. It is very cold for the animals to stay in it during the cold and snowy winters, and way too hot in the summer. Staying and sleeping in a new and spacey stable, animals will love it,” Zef continued.

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
  • 106.1
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,900 helped Zef to build a new stable for his animals.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 11, 2013
Jun 15, 2013
Currency Exchange Loss:
Jan 17, 2015