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Kristjan is 21 years old and is a hardworking young man from northern Albania. He works with goats and cows and has been working since he was eight years old. He enjoys his work, which he started with his late father, and he is the sole financial support for the rest of his family, including his siblings. “When I was younger, I always dreamed of going to university and doing something with my life, yet this remained just a dream because I never had the opportunity. Maybe, someday, I will create the opportunity for myself,” Kristjan says in despair.

Kristjan is requesting a 300,000 ALL loan to build a stable to separate his goats and cows which currently sleep altogether. “Even though I am at a young age,” he says, “I want to thank lenders ahead of time and also assure them that, being a responsible young man, I will pay my loan on time.”

Additional Information

More information about this loan

This loan is part of VisionFund Albania's value chain project designed to address the needs of extremely poor clients. The project has selected 90 clients from Area Development Projects and local economic empowerment projects run by WorldVision Albania (WVA) to serve the very poor. It will focus on livestock and agriculture financing, technical assistance, entrepreneurial skills training and expanding market access for clients' products. Importantly, interest rate payments will be covered by WVA. By supporting this loan, you are providing opportunity to some of the poorest people in rural Albania who have little to no access to credit, even through basic microfinance institutions.

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
  • 109.8
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,750 helped Kristjan to build a stable to separate his goats and cows.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Nov 9, 2012
Nov 13, 2012
Currency Exchange Loss:
May 17, 2015