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Tereze wants to start up a bar-cafe, plus groceries and snacks, or all-in-one type of activity, in the village where she resides. This will be near a school, thus the clientele is guaranteed. With this loan, she wants to stock up on inventory items. Currently her store is empty, so she chose to be photographed at another, similar store, located in the vicinity.

When the loan officer told her that she needed to be photographed so that Kiva lenders would see her, she said, laughing: “I want to be photographed in a store that is already established, because that brings good luck according to some superstitions in our region.” Tereze is a married mother of four children.

Additional Information

More information about this loan

This loan is part of VisionFund Albania's new startup loan program to help entrepreneurs with limited financial possibilities to start up a new business or restart a business that was closed due to lack of working capital.

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
  • 12
    View loans »
    Albania Loans Fundraising
  • $3,244,625
    Funds lent in using Kiva
  • 106.7
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Tereze to stock up on inventory items for her all-in-one store and bar-cafe.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 29, 2013
Sep 12, 2013
Currency Exchange Loss:
Oct 17, 2015