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Shukrije is 48 years old. She is happily married to her husband and is the mother of a 7-year-old son. She is currently working in a police station as an administrator and her husband is working as a guard. Both of them receive very low salaries. For several years Shukrije has wanted to do renovations on her house. She has tried unsuccessfully to save the money for the costs.

Now, for the first time, she is requesting a loan in order to change the windows and doors and to improve the facade of her house. She would like to address the longstanding heat loss problems she has. Every winter it costs a lot of money to buy the coal to keep this house warm. Shukrije believes that after renovating the house, she will be able to create better living conditions for the family by keeping them healthy and lowering their cost of living. Shukrije appreciates the help from KosInvest/Kiva.

Additional Information

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
  • 0
    View loans »
    Kosovo Loans Fundraising
  • $1,772,650
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD
A loan of $2,000 helped Shukrije to change the windows and doors and to improve the facade of her house.
Repayment Term
22 months (Additional Information)
Repayment Schedule
Aug 13, 2013
Sep 5, 2013
Currency Exchange Loss:
Oct 5, 2013