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Zorica is a 20-year-old woman who lives in one of the vulnerable ethnic minority communities in Kosovo. She is a young mother with two children, ages 6 months and 2 years. She is a stay-at-home mother. Her husband works as a technical staff member in a primary school. They live in a small village under extremely poor and unhealthy conditions.

They are in urgent need to do some renovations to their house before the winter. Their house has not been repaired for a long time. Her house has a heat-loss problem due to poor insulation. Every winter it is very hard to keep the house warm, and her children always get sick due to the cold. For the first time, she is requesting a loan to renovate two rooms and also the bathroom in order to be ready before the winter. After repairing the house Zorica will be able to create normal living conditions for the family. Zorica appreciates the help from Kiva lenders.

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 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 Kosovo

  • $7,600
    Average annual income
  • 25
    View loans »
    Kosovo Loans Fundraising
  • $1,948,125
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Zorica to renovate rooms in her house before winter.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Oct 19, 2012
Currency Exchange Loss:
Jul 17, 2014