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Arben is of Ashkali ethnic background. He is a married father of two children, ages 1 and 3 years old, living in Kosovo.

He currently works as a field worker for a private company and he is the family's main source of income. Along with his wife and children, Arben is living in the same house with his parents. They are very poor and live under extremely poor and unhealthy conditions. Arben’s family always feels cold and gets sick in winter due to the cold and wet weather since they have a problem with their home's roof and windows.

Arben has requested a loan to renovate his house by buying new windows, putting a new facade on the home, and repairing the roof. He hopes this loan will improve the health of his family and Arben is very grateful to the lenders for improving the family's conditions and standard of living. He promises that he will pay punctually.

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
  • 37
    View loans »
    Kosovo Loans Fundraising
  • $1,948,125
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Arben to renovate his house by buying new windows, putting a new facade on the home, and repairing the roof.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Oct 17, 2013
Currency Exchange Loss:
Apr 17, 2015