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Nafaret is 35 years old and married, with two children, both attending secondary school.

She didn't have a job at all until two years back when she started her own livestock business. She purchased some milk cows and started selling milk to dairy farms. Later on she sold baby calves as well. “I am not investing time and efforts at this business because I’m forced to do it to generate an income," she said. "I enjoy my involvement on it, because it gives me the opportunity to nurture the animals at the same time that I am generating profit.”

At the moment, Nafaret is applying for a Kiva loan through VisionFund Albania to purchase one more milk cow in order to expand her existing herd. She has borrowed previously from the VFA institution and has repaid the loans on time.

With the extra profit she plans on generating, she will be investing in planting fodder for animals, instead of buying it. This way, she will be able to put money aside for her children’s education.

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
  • 9
    View loans »
    Albania Loans Fundraising
  • $3,213,425
    Funds lent in using Kiva
  • 109.6
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Nafaret to buy another milk cow for her herd.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 23, 2012
Aug 28, 2012
Currency Exchange Loss:
Oct 17, 2014