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Smajl is a 59-year-old man living in an Ashkali community in the southern part of Kosovo. He is a widower, raising eight children. Smajl works at carrying goods for others. His existing house is very old and damaged; the furniture is old and uncomfortable. He dreams of seeing his home just as beautiful. Unfortunately, now he can see only the things that need immediate renovation work.

His pay is only enough to support his family and he would like to improve their living conditions. Smajl is requesting a loan to purchase building materials to renovate his house. With this loan, Smajl will be able to renovate his house. The family's living conditions will be improved and they will be able to live in a comfortable environment.

Smajl is grateful to Kiva lenders for improving the family's living conditions and standard of living.

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
  • 32
    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 $1,050 helped Smajl to purchase building materials for renovation.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Mar 22, 2013
Currency Exchange Loss:
Dec 17, 2014