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Elfete is 52 years old, married, and living in the Ashkali community in the southern part of Kosovo with her daughter and son who are 21 and 25 years old. Based on family tradition, Elfete works in agriculture, although the main source of income comes from her son who is working as a guard in a private company. Elfete owns cows to provide for her family's needs, which allows her to be able to save the money that she would normally spend on milk and other dairy products.

Now, for the first time, she is requesting a loan in order to buy another cow and to renovate her stable since it has been a long time since she was last able to fix it. The loan will help them to improve their living conditions, because increasing the number of cows and taking care of their surroundings will enable her family to have more milk and milk products. She wants to thank all of the lenders and is very appreciative for the 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 Kosovo

  • $7,600
    Average annual income
  • 0
    View loans »
    Kosovo Loans Fundraising
  • $1,800,975
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,650 helped Elfete to buy another cow and to renovate her stable.
82% repaid
Repayment Term
28 months (Additional Information)
Repayment Schedule
Aug 20, 2013
Sep 12, 2013
Currency Exchange Loss: