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Zef is a 38-year-old married father of two; his children are seven and four years old and all of his family lives in northern Albania. Before coming to the new location, they lived in a very rural area right on top of a major mountain. Like any underdeveloped nation, Albania suffered from lack of good paved roads to connect smaller towns and less populated areas; therefore, life in this areas was not easy at all, in addition to cold weather conditions.
In the new location, Zef established a good business sometime ago, and it seems that it has been going well despite that a few times his plantation was damaged because it was not any fence around it. He planted fruit trees and grapevines and he sells those fruits to local stores and grapes to people who want to make wine.
Zef now wants to prevent further damaging of the plantation and requests a loan to build a fence around it.

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
  • 8
    View loans »
    Albania Loans Fundraising
  • $3,256,100
    Funds lent in using Kiva
  • 109.9
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Zef to build a fence around his plantation, in order to prevent further damage.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 17, 2013