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Lumnije is a 28-year-old widow. She has one child. Lumnije lives in the southern part of Kosovo in the Ashkali community. The Ashkali community is typically poor and has substandard living conditions. Lumnije owns a small farm stable with a cow. She provides milk and milk products for the family. She wants to expand her farm and to add more cows in order to sell milk products in her area.

To earn more money, she also works as a caregiver (babysitter), which is a common way for women in this community to earn a small income. She loves what she does and is committed to it because she likes caring for babies.

Because she is a widow, she must work harder and longer hours to earn enough money for living expenses. With a goal to further grow her farm business, she requested a loan from KosInvest-Kiva to renovate her stable.

She is hoping to be able to save money for her child’s education expenses. She is aware that without Kiva lenders support, her life will be difficult. She really appreciative this help!

Additional Information

More information about this loan

This loan will support the economic aspirations of minority people in Kosovo. Roma people and ethnic Serbians have historically faced a tremendous amount of hardship in Kosovo, and are still socioeconomically and politically vulnerable. During the 1998-1999 war, the fighting displaced 250,000 people. Among those displaced were an estimated 80-90% of the region’s Roma population. Today, Roma and ethnic Serbians living in Kosovo still face discrimination and are excluded from many aspects of society, including fair political representation and high rates of unemployment. By supporting this loan you are helping provide opportunity to marginalized populations.

About KosInvest

KosInvest is a micro-enterprise development organization that provides loans to help people in rural Kosovo generate more income and improve their living conditions. It offers a wide range of loan products, from loans tailored to micro and small enterprises to loans designed to help women-headed households.

About Kosovo

  • $7,600
    Average annual income
  • 10
    View loans »
    Kosovo Loans Fundraising
  • $1,805,475
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Lumnije to renovate her stable.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 10, 2012
Aug 22, 2012
Currency Exchange Loss:
Jul 17, 2014