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Sine is in her early 60s and for 15 years she has been selling fresh agricultural produce. “There is nothing else that we can do here on top of the mountain and we know nothing better either,” said Sine laughing.

I, the writer, found it cute that even though she had no animals when she was interviewed, she still wanted to get a picture inside the stable that she had prepared prior to the arrival of the animals. “This is for good luck,” she said, keeping her smile on.

“I want to buy dairy cows and sheep because I find these two ones easy to manage, because they are slow at walking. But goats run very fast; I can’t run after them because I am old now. I don’t want to injure myself at this age,” Sine added, laughing again.

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
  • 10
    View loans »
    Albania Loans Fundraising
  • $3,250,800
    Funds lent in using Kiva
  • 107.3
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,350 helped Sine to buy a dairy cow and sheep.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Jul 4, 2013
Jul 24, 2013
Currency Exchange Loss:
May 17, 2016