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Julijana lives in a minority community of Kosovo. She is 23 and single, living with her parents who receive a pension.

Julijana is a student of the economic faculty and also works doing accounting for a private company to support her family. Her parents' social pension and her salary is still not enough money to be able to repair the roof of her house, which is in immediate need because it leaks during the rain.

Julijana is requesting a loan for the first time so that she can renovate the roof and is hoping that the loan will solve their problem and keep them healthy, warm and comfortable in the upcoming winter and rainy season. Her future goal is to complete her studies and to have her own business. She wants to thank all of the lenders for the support!

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
  • $1,830,525
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,375 helped Julijana to renovate the roof of her house.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Oct 19, 2013
Currency Exchange Loss:
Nov 17, 2014