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Ermira, an Egyptian single mother of two school-aged children, 14 and 6 years old, is 38 years old herself and a very hard-working lady.

She has been working in blue collar jobs almost 20 years now and has managed to keep the same employer throughout, and she is proud of this.

Ermira and her children live in a very tiny house that it is not considered safe to live in because the ceiling leaks when it rains and there are water marks on walls all the time.

Ermira now wants to do some major repairing of her home before winter and for this she is requesting a loan of 80,000 Albanian Lek. She is almost begging lenders to help her financially and their help will mean a lot to her and her children.

Additional Information

More information about this loan

Roma and Egyptian populations living in Albania are considered vulnerable from a socioeconomic perspective and this loan would be used to support them.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Albania

  • $10,700
    Average annual income
  • 6
    View loans »
    Albania Loans Fundraising
  • $3,213,425
    Funds lent in using Kiva
  • 109.3
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Ermira to make major repairs to her tiny home before cold weather starts.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 15, 2012
Nov 18, 2012
Currency Exchange Loss:
Jun 17, 2014