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Zina is 41 years old and married with four children. Three of them are still attending public schools. They live in northern Albania. Zina's family, including her parents, siblings and herself, were persecuted by the regime, and they found it very tough living under such circumstances. Yet, in recent years, they have had a much better life with many more opportunities.

In many families in the region, women are the financial providers for their families, as is Zina. She has been selling milk and baby calves to the locals and has been making a small income which is enough to live. Now she wants to expand by buying another milk cow with a calf. This is why she is requesting a Kiva loan for the first time, hoping that lenders will grant her request.

Zina is confident that she will do well, and her promise to lenders is that she will pay them back on time.

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
  • 15
    View loans »
    Albania Loans Fundraising
  • $3,256,100
    Funds lent in using Kiva
  • 106.2
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,900 helped Zina to buy a milk cow with a calf.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 14, 2012
Oct 1, 2012
Currency Exchange Loss:
Oct 17, 2014