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Refiko wants to pay for her medical expenses, and with a small portion of the loan, buy pesticides for her agricultural plants. She has been suffering from her heart for a very long time. Specialists have said that she needs a surgery; yet, she hasn’t proceeded with it since she doesn't have money for the entire procedure and hospitalization. A visitation to the doctor for the moment would give her an idea of what to decide on.

Refiko plants and sells beans, onions, wheat and peppers; she’s got also a mule for transportation. They live in a little town in southeastern Albania. Plums, apples and grapes are the most preferred orchards in Refiko’s village, and also, they have cows and sheep.

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
  • 15
    View loans »
    Albania Loans Fundraising
  • $3,256,100
    Funds lent in using Kiva
  • 103.3
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Refiko to pay for her heart medical visitation to the specialist and with a small portion of the loan to buy pesticides for her agricultural plants.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 29, 2014
Jun 15, 2014
Currency Exchange Loss:
Jul 17, 2015