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Joyce is 36 years old and is married with four children who are between 6 and 15 years old.

Joyce owns a restaurant where she sells tea and some pastries. She has been in this business for about seven years and her small restaurant is open from early in the morning until late in the evening.

Joyce needs to request a Kiva loan via Vision Finance Company to expand her business through increasing the size of the place where she operates her business. After getting enough space, she will also buy some additional equipment so that her customers can feel comfortable with her service.

If successful, Joyce will hopefully earn more profits which, in turn, will allow her to continue taking care of her family and save for her future.

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 VisionFund Rwanda

VisionFund 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.

VFR 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
  • 27
    View loans »
    Rwanda Loans Fundraising
  • $18,266,225
    Funds lent in using Kiva
  • 586.0
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Joyce to increase her business space and to buy some equipment.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 21, 2010
Oct 27, 2010
Currency Exchange Loss:
Jun 15, 2011