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Nizamije is a villager with an extensive expertise of almost 20 years in agriculture. She is living in southeastern Albania. She wants to buy a dairy cow with this loan.

Nizamije is in her late fifties and is married to her husband, who has been unable to move due to his disability these past 10 or so years. She also is raising a nephew whose parents passed away in a tragic car accident.

“I start my day early in the morning taking care of people and animals and end the day with the same activity, taking care of people and animals. It’s a daily routine that I can’t miss it, even for one day. I feel exhausted some days, and I just want to lie down and do nothing, but I can’t, so I’ve got to go on with my routine. That’s it. No choices, I’ve got to raise my nephew and look after my husband,” Nizamije ended her talk to the loan officer.

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
  • 27
    View loans »
    Albania Loans Fundraising
  • $2,737,725
    Funds lent in using Kiva
  • 107.5
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,875 helped Nizamije to buy a dairy cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 11, 2013
Jul 17, 2013
Currency Exchange Loss:
Jan 17, 2015