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Bajram is 62, married, and has only one son. He lives with his family in a Roma community in the southern part of Kosovo. Bajram works for the electric company and is a very hard-working man, dedicating himself to his work fully and trying to make a living for his family. His wife is a housewife, staying at home to care for the house and the family affairs. Bajram has managed to build a house, but he has not been able to finish the bathroom. He is applying for a loan to complete the construction and renovation of the toilet, which is in urgent need of repair and is unsanitary and unhealthy in its current condition. He hopes in the future to have a better a life and to save money for his future. He is very grateful for this opportunity to improve his living conditions, and he is appreciative to 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

  • $7,600
    Average annual income
  • 34
    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 $1,325 helped Bajram to rebuild and improve a bathroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 20, 2013
Jul 3, 2013
Currency Exchange Loss:
Jul 17, 2014