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Greetings from Emmanuel B. in Nyamagabe District, in the southern province of Rwanda! Emmanuel is 31 years old, married with 6 children and 1 orphan, adopted after the 1994 Genocide.

Emmanuel sells timber to the local builders and carpenters. Many houses in the rural areas and in his home town are built with timber and also, carpenters buy his timber to make chairs, tables, beds, windows, doors, etc. Besides the timber business, he also sells charcoal, which is used for cooking by many families in his hometown.

With the income, he has been able to buy plot of land where he grows trees for timber to be sold in the future. He has been able to build a house for his family. Recently, he was able to buy himself a mobile phone to communicate with his customers.

He is applying for a loan worth 350,000 Frws to buy more sacks of charcoal to be sold in the nearby local market and buy more timber, which is in demand by carpenters in his town. This loan will be repaid in 8 months.

Additional Information

More information about this loan

This loan helps low-income entrepreneurs in Rwanda grow their businesses and, ultimately, to support their families. These loans typically serve very poor and rural clients and particularly women, who often lack access to the traditional collateral needed for a loan. VFC serves these entrepreneurs through both individual and group loans and provides them with financial education and tools for them to save money for the future. By supporting this loan, you are helping Rwandan entrepreneurs build the means to support their families and improve their lives.

About Vision Finance Company s.a – Rwanda (VFC)

Vision Finance Company, soon to be known as Vision Fund Rwanda (VFR), is the microfinance subsidiary of World Vision and is one of the largest microfinance institutions serving rural underprivileged communities in Rwanda, many of which do not have access to formal financial services.

VFC serves people and communities that are economically productive but low-income, especially in very rural areas. This includes small business owners and salary earners who are looking for opportunities to provide better lives for their families and a promising future for their children.

About Rwanda

  • $1,700
    Average annual income
  • 11
    View loans »
    Rwanda Loans Fundraising
  • $15,406,850
    Funds lent in using Kiva
  • 553.8
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Emmanuel to buy more timber for re-sale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 14, 2008
Nov 9, 2008
Currency Exchange Loss:
Aug 15, 2009