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Martine, a 53-year-old villager from the northeastern part of Albania, is pictured here with Nikolle, her spouse. They have four children ranging in age from their early teens to mid-twenties.

For almost ten years Martine has been raising cows. She sells dairy products in the local market of a nearby town of approximately 15,000 residents. She has made a respectable income from her dairy products, an amount that’s been okay, according to Martine and Nikolle.

The couple wants to buy another dairy cow with a calf, so Martine is applying for a 300,000 ALL loan through VisionFund Albania. Kindly note this is their fifth loan from the same institution, with the previous ones being successfully paid off. The couple aims to enlarge their dairy further in the upcoming years.

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
  • 26
    View loans »
    Albania Loans Fundraising
  • $3,015,550
    Funds lent in using Kiva
  • 106.7
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,825 helped Martine to buy a dairy cow with a calf.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 12, 2013
Currency Exchange Loss:
Mar 17, 2014