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Zef was sick for some months and, therefore, he not only had to spend money to cover his medical expenses, but he was not able to bring in extra cash, either. The sudden economic condition did not allow him to pay for water or energy consumption of his apartment. He has been way behind in the bill payments.

As a result, he and his wife have been experiencing energy disconnection and water restriction for the past two months. Zef worked as a police officer for 30 years, is a married father of four, and lives in a little northern town, called Lezha. Residents of this town are known for home visitation as a way of socializing.

Kindly note that Zef has been a client of VisionFund Albania for a very long time and he has always paid on-time.

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
  • 10
    View loans »
    Albania Loans Fundraising
  • $3,250,800
    Funds lent in using Kiva
  • 101.5
    Albania Leke (ALL) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,475 helped Zef to pay for energy and water bills; he has been behind payments due to his sickness.
78% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Mar 20, 2014
Mar 26, 2014
Currency Exchange Loss: