Update on BahtishaheBahtishahe thanks all Kiva lenders for making her plans for her home and future a reality. She used the loan to solve the problems with her bathroom, buying a water heater and other essential fixtures for renovating and repairing the bathroom. By addressing these hygiene and basic need issues, she managed to improve the health of her family and their living conditions which has always been her goal. She claims that without the loan she never would have been able to do the renovations because of the small amount of income she earns. She is hoping that this renovation lasts for a very long time and she will not have any further need to redo or fix up things again in that area. Bahtishahe still works as a seamstress and her husband continue working in Italy to support his family.
Now she is requesting a second loan, this time for renovating rooms in her house, so that she will be able to finally complete her home. She wants to thank again all of the lenders for both loans, which have helped her to achieve her dream. "I will never have chance to accomplish my goals without this support" said Bahtishahe. She is very happy for this second opportunity to improve life conditions.
Previous Loan DetailsBahtishahe is thirty-six years old. She is married and has five children between the ages of three to seventeen years old. She is a seamstress and lives in the south-western part of Kosovo with her children. Her husband works in Italy to support his family. Bahtishahe and her husband love her… More from Bahtishahe's previous loan »
About KosInvestKosInvest 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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.
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Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Aug 23, 2013
- Sep 23, 2013
- Currency Exchange Loss:
- Aug 17, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.