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Gjemile is a 24-year-old Roma woman living in a Roma community in Kosovo. She is a married, raising two children ages 4 and 5 years old. Her husband cuts wood for a living and she stays at home taking care of the children and the house. The income that her husband brings in is only enough to support the family on a daily basis, however their home is in urgent need of a roof and they have not been able to address the problem.

Gjemile is requesting a loan from KosInvest to purchase building materials to renovate the roof and the outside of the house before the rain, snow and cold weather begin to affect the family, their health and their living conditions. Gjemile is grateful to KosInvest lenders for improving the family's living conditions and standard of living.

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
  • 0
    View loans »
    Kosovo Loans Fundraising
  • $1,800,975
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,375 helped Gjemile to purchase building materials for renovating the roof and the outside of their house.
96% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Oct 19, 2013
Currency Exchange Loss:
Jul 1, 2015