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Jovica is 50 years old, married, and a father of a 19-year-old daughter. He, his wife, and daughter live in a minority community in Kosovo.

Jovica is a very hard-working man, but his situation has changed dramatically after the war, leaving him without a job. He is lucky that now he receives a pension from the electrical company that he used to work for, together with his wife, before the war, but it is not enough to provide his family with enough and adequate income. He has tried all possible ways to survive and provide himself with a stable income, but has not had much success.

For the first time, Jovica is now requesting a loan to pay for materials needed for his kitchen. His goal is to find a job since he hopes to have more income in the future. He appreciates this help!

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
  • 5
    View loans »
    Kosovo Loans Fundraising
  • $1,828,825
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Jovica to pay for materials needed for his kitchen.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Sep 10, 2013
Currency Exchange Loss:
Apr 29, 2015