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This is 46-year-old Kristina, with her three goats and a baby one, in their little stable. Kristina wants to add some more goats with this loan, and to accomplish this, she needs your financial help.

She was widowed long ago and has five school-aged children to raise, all on her own. They live in the northeastern part of the country. She and her children have been living very poorly. She was never given the opportunity to apply for a loan, since she fell below the national poverty line. Kristina is very appreciative to Kiva, and VFA also, for this great opportunity. The startup loan through VFA is 4.5% lower interest compared to other credit products, so she considers this as a “Godsend."

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
  • 26
    View loans »
    Albania Loans Fundraising
  • $2,882,325
    Funds lent in using Kiva
  • 104.1
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,925 helped Kristina to add more goats.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 4, 2013
Currency Exchange Loss:
Jul 17, 2014