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Hamit is a sixty-five-year-old Romani man from the Roma ethnic community of Albanian. He is married and currently has seven children; a grown up daughter passed away some years back. They all live in the outskirts of a major city in the Southeastern Albania, in a barrack made of cardboard and covered with metal sheet. The living conditions are just unacceptable. No water, no toilet, no electricity, and all sleep on the floor on some old blankets and mattresses.

Kindly note, that visiting this wonderful and loving family, it was a total shock for me, the writer, to see how they lived. I guess I was not strong enough to prevent my tears from running down.

Hamit has been collecting scrap metal for cash. In addition, he has two saws and he is an animal lover. He sells piglets to the locals. Talking about the animals he said, “When they give birth to the little piglets, I sleep with them at the stable, for almost two months, to look after the babies and the mothers.”

This is Hamit’s third loan and he is requesting it because he wants to build a one-room house with a toilet and a kitchen. In the past he has proved his responsibility; he has paid off the full amount of the loan and on time. Hamit and his wife seek Kiva lenders’ appreciation in this matter.

Additional Information

More information about this loan

Roma and Egyptian populations living in Albania are considered vulnerable from a socioeconomic perspective and this loan would be used to support them.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Albania

  • $10,700
    Average annual income
  • 37
    View loans »
    Albania Loans Fundraising
  • $2,885,025
    Funds lent in using Kiva
  • 111.7
    Albania Leke (ALL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,250 helped Hamit to build a little one-room house with a toilet and a kitchen for his family.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 11, 2012
Jun 6, 2012
Currency Exchange Loss:
Jun 17, 2014