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Fatime is a a 35-years-old married mother of four children. She and her family live in a minority community in in the southern part of Kosovo. Fatime is a housewife and stay at home mother, taking care of her children and house while his husband works as a painter.

This wonderful and loving family lives in unacceptable and substandard conditions and the money her husband generates is not enough to to do any renovations to the house. Fatmie is requesting a loan so that they may renovate their house, specifically to address the insulation and heat loss problems they experience in the winter months. Not only will this loan help them to improve their living conditions keeping the home warm and the family healthy, but due to the high cost of electricity the renovations will also help them to to save costs on heating in the winter.

She hopes that cutting some of the costs of utilities will enable them to save some of the money from her husband's salary in order to ensure financial security. In the near future she is hoping to have better conditions for her family. Fatime is very happy for this opportunity and she thanks all of the 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
  • 2
    View loans »
    Kosovo Loans Fundraising
  • $1,823,175
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Fatime to renovate her house.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jun 29, 2013
Currency Exchange Loss:
Mar 17, 2015