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Adem
Adem is 24 years old and lives in the Ashkali community. He is married, and his wife is a housewife, staying at home to care for their one-year-old child. Adem works as a cleaner in a municipality building, and his salary is too low to meet his family's needs.

Adem is in need of a loan to renovate his bathroom and replace the old windows in his house. This loan will help to improve the living conditions of his family. Adem hopes in the future to find a better-paying job.

Adem is very happy for this opportunity and wants to thank all 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

  • $6,500
    Average annual income
  • 3
    View loans »
    Kosovo Loans Fundraising
  • $1,748,525
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD
Expired
A loan of $1,575 helped Adem to renovate his bathroom and replace the windows in his house.
Repayment Term
22 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 18, 2012
Listed
Oct 27, 2012
Currency Exchange Loss:
Possible
Expired:
Nov 26, 2012