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Zef, a father of five children, came to the current location three years ago. He has built a new house, yet it does not have a washroom. He’s built a very primitive one, some meters away from home, like the ones every house in the village had up until some years after the collapse of the regime.

The village where they currently reside is at the foot of a single isolated mountain, with a seemingly flat summit plateau, with elevations over 1,880 feet above sea level. The name of this mountain comes from the name of water wells that, fortunately, are numerous. There are copper mines built since the first years of the communism era and a small Catholic church built 800 years ago. The mountain is covered with snow all year round and foreigners prefer to go hiking.

Zef practices livestock and agriculture to make a living for the family of seven. He has pigs, chickens, and a dairy cow. He also plants and harvests wheat in large quantities that he sells to wholesale buyers and sellers.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Albania

  • $10,700
    Average annual income
  • 35
    View loans »
    Albania Loans Fundraising
  • $2,893,175
    Funds lent in using Kiva
  • 100.8
    Albania Leke (ALL) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,000 helped Zef to build a washroom in their newly-built family house.
56% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Mar 18, 2014
Mar 21, 2014
Currency Exchange Loss: