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Ndrec, who resides in the northern part of Albania, has five school-aged children, ranging from 10 to 20 years of age.

It is Ndrec's fourth time requesting a loan to repair the combine harvester that he already has been using for the past 22 years; the previous loans have been paid on time. He is the only one in the villages around him owning such a combine and, “it’s neat," he says, “being able to help others.”

“Harvesting manually," he adds, “is hard labour.” Therefore, “I consider it a blessing to me, having been given the opportunity to help,” he says. Locals mainly raise animals and grow grains, and the demand for a combine harvester is high.

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
  • 11
    View loans »
    Albania Loans Fundraising
  • $3,244,625
    Funds lent in using Kiva
  • 104.5
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,925 helped Ndrec to repair his existing combine harvester.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 16, 2013
Currency Exchange Loss:
Dec 17, 2015