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Josephine is from Rwanda. She needs a loan of $550 Expanding shop by purchasing more goods.
Josephine is from Rwanda. She needs a loan of $550 Expanding shop by purchasing more goods.
Josephine Mukabera has owned a small shop in her community for four years. She sells different kinds of goods, especially food stuff. Before opening her business, Josephine was a full time house wife and was unable to generate enough income for the needs of her family. Josephine has two milking cows and enjoys her business. She opens her small shop from 9.00 am to 6.00 pm. With this new loan requested, Josephine will be able to purchase sugar, cassava flour, tomatoes, beans and an lamp oil.
With the profit Josephine plans to continue paying school fees for her children and provide healthcare for her family. She also hopes that once his business grows that people in community will be able to buy groceries. With expansion of her business, she hopes to employ neighbors in community so their children can have an education.
Josephine is 35 years old, married with five children between the ages of 4 and 14. Josephine lives in the small village called Ruramba near the road. Her house is paved by cement and sand on the wall with tiles roof.
Retail is a quick and scalable way to begin earning a profit. Many entrepreneurs begin with stalls at markets or even at home and need a loan to expand or increase their inventory. Others may be ready to open a small store. Goods purchased from loan funds range from clothing, grocery or sundry items to jewelry, candy, perfume or health and beauty supplies. Loans in the commerce sector account for around 33% of our loans.
The community of Nyaruguru is located in southern Rwanda, where the climate is temperate. Despite poor soil, most families depend on subsistence agriculture. Food insecurity and malnutrition rates are high. Some farmers grow tea, which is then sold to a nearby factory. Livestock were once a source of income, but cattle have been consistently stolen to finance the conflict in the neighboring Democratic Republic of the Congo, which was sparked by the Rwandan genocide of the 1990s.
As a result of the genocide, many children are orphaned and living in child-headed households. Families struggle to find suitable shelter; many homes lack adequate roofing and are in need of repair. Unable to afford school fees, children often abandon education and seek jobs. Though HIV and AIDS remains a serious concern, the community lacks the resources to provide adequate healthcare.
In Nyaruguru, World Vision is working to improve quality of life for community members by constructing health centers and toilets; supporting education through school supplies and financial assistance; providing building materials for houses; educating individuals about HIV and AIDS; and providing agricultural and marketing training.
Josephine invested the loan in her grocery business. The loan she received allowed her to provide food for her family, buy carpentry materials, employ two new workers, and buy a plot land.
The problems she is facing are customers who owe her money sometimes do not pay her and she has to pay many taxes. Nonetheless, Josephine has kept up with loan repayments.
Josephine thanks her donors for giving her a loan which improved her business and allowed her to have better life. She also asks that God blesses her donors.
Micro's loan allowed Josephine to improve her business and become profitable by purchasing additional materials and by hiring three workers to assist her. She has been able to build a house and purchase land. Josephine has repaid her loan in full. These loan funds are now available to help another worthy entrepreneur in her community. Thank you for supporting Josephine and World Vision Micro! Josephine is grateful to her donors for funding her loan which helped her to become a successful business owner. In the future, she plans to continue to work with VisionFund to extend her business.
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