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Greetings from N. Ernestine in the Gasabo District of Kigali city, the capital of Rwanda. N. Ernestine is 46 years old and married with six children.

This entrepreneur holds a space in the Nyabugogo market, where she sells many kinds of clothes, especially bed covers, blankets and bed sheets. Ernestine has one full-time worker to help with running the business smoothly. She has been doing the same business for 26 years. This entrepreneur opens her business at 6 a.m. and closes at 5 p.m. and earns approximately 300,000Rwf per month (about $550).

Ernestine is expecting to expand her business and is requesting a loan worth 500,000Rwf from VISION FINANCE COMPANY s.a., Kiva's partner. This loan will be repaid over a term of eight months on a monthly basis.

Additional Information

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

Vision Finance Company (VFC) was Kiva's first partner in Rwanda. Established in 1999, VFC is an affiliate of World Vision International. Since its founding, VFC has been committed to alleviating poverty in Rwanda by ensuring that poor people have access to credit to support business initiatives that will improve their life circumstances.

VFC has a broad set of products and services, offering Community Banking services for self-selected groups of 10-30 borrowers, Solidarity Group services for more experienced groups of entrepreneurs, and Individual Loans for customers who already have a small established business. Vision Finance is also among the very few financial institutions targeting farmers and providing agricultural credit options in Rwanda, where access to credit is critical to the success of agricultural enterprises.

About Rwanda

  • $1,000
    Average annual income
  • 37
    View loans »
    Rwanda Loans Fundraising
  • $13,303,700
    Funds lent in using Kiva
  • 568.0
    Rwanda Francs (RWF) = $1 USD