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Zhaneta is in her early fifties and married. She has two children; twenty-seven and twenty-five years old. All of them live in a decent-sized village in the southeast of Albania. Life here is not that easy. They wake up extremely early in the morning to go to the field, feed and milk animals... While you drive by, you see all these people with straw hats covering their heads and plowing, planting & harvesting non-stop in the summer heat. They do so much hard labour. She said, "It would be very nice to live a peaceful life and without any hard labor. Yet, that's just a dream for us."
Her family owns a few "dynyms" of fields and also a few goats.
Zhaneta has been VF Albania's client for the past six years and has proved to be a very responsible person, by paying off her loans on time and in full her monthly installments. At the moment, she is requesting another loan to add some more goats to the existing herd. The demand for goat cheese is high and she has a steady clientele.
She thanks VFA and Kiva lenders for their understanding.

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
  • 29
    View loans »
    Albania Loans Fundraising
  • $3,047,675
    Funds lent in using Kiva
  • 110.0
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,375 helped Zhaneta to add goats to the existing herd.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 14, 2012
Jul 1, 2012
Currency Exchange Loss:
Oct 17, 2013