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Bardhok wants to buy a dairy cow with the loan that he is requesting from Kiva lenders. He wants to sell milk and baby calves to the locals. He said: “I have seen others in my village and region that pursue livestock activity, and they comment that it is worthwhile. Up until now, I have been selling fresh veggies and fruits and sometimes eggs, but adding some dairy produce will boost my income eventually and of course will increase the work volume, but I am ready for it. Livestock requires more hard labor because you have to wake up very early to milk the animals and get them out of the stable to breathe a bit of the morning fresh air, but anyhow almost every villager is an early riser whether they wanted or not."

Bardok has four children, all school-aged, and they live in the very rural northern part of the country.

Additional Information

More information about this loan

This loan is part of VisionFund Albania's new startup loan program to help entrepreneurs with limited financial possibilities to start up a new business or restart a business that was closed due to lack of working capital.

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
  • $2,878,025
    Funds lent in using Kiva
  • 105.7
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Bardhok to buy a dairy cow.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 29, 2013
Sep 4, 2013
Currency Exchange Loss:
Feb 17, 2014