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Juliana is a 28-year-old divorced mother of two young children who are shown with her in the photograph. Since her divorce, they have been living with her parents, who have been very supportive of them, in a rural village in the southeastern Albania. Agriculture/ livestock are seen as the only activities to help residents generate an income in this region, in addition to securing the basics for their families through such activities. Dairy is a staple food in all rural areas of Albania.

Juliana started her own activity about four years ago with the help from her parents, and now she wants to buy two more dairy cows in order to increase the dairy produce. She has been selling the milk to a nearby dairy farm.

The amount of loan she is requesting is 250,000 Albanian Lek.

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
  • 25
    View loans »
    Albania Loans Fundraising
  • $3,015,550
    Funds lent in using Kiva
  • 104.6
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,400 helped Juliana to add two more dairy cows to the existing herd.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Feb 18, 2013
Currency Exchange Loss:
Sep 17, 2015