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This is Nazmije, the 49-year-old married mother of four children, being photographed inside her little one-room family house.

She is a villager living in south-central Albania who is applying for a loan for the first time. She will use it on medical expenses for herself.

Kindly note that she is on disability; yet, she still works and has been running her agricultural activity for 20 years. People in the village spoke very highly of her and made the best comments about her to the loan officer.

“Being sick or not sick we must work," Nazmijee said. "There is work for everyone should they have the desire to do so. I enjoy working and I wake up very early in the mornings; planting; preparing the soil, watering and harvesting the veggies and also look after the animals and milking them, etc. Then I take the fresh produce to the city to sell. This is my daily routine, 7 days a week."

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
  • $2,671,075
    Funds lent in using Kiva
  • 104.1
    Albania Leke (ALL) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $975 helped Nazmije to pay her medical expenses.
99% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 24, 2013
Currency Exchange Loss:
Jan 17, 2015