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Kadrije is a 55-year-old villager who lives rurally with her grown up children and her husband. Currently she has only one dairy cow, and with this loan she wants to add two more dairy cows; this will enable her to sell some raw milk.

For almost ten years, she has been selling fresh agricultural produce to the local market of a nearby city. “I have made a little income, not much though, some changes here and there; but thank God, even with this money, I have been able to do something,” Kadrije said, sounding content.

Kadrije is happy also that she was selected from these special projects, because she does not have to worry about paying the interest, since it is being paid by World Vision Albania.

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
  • 105.4
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,375 helped Kadrije to add more dairy cows.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Aug 7, 2013
Sep 4, 2013
Currency Exchange Loss:
Mar 17, 2016