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Snezana is a 31-year-old married housewife, living in a minority community in Kosovo with her husband and 3 children between the ages 5 years and 12 years old. Even though her husband works for an electrical company, he makes a very low salary which is only enough to support their family on a daily basis and provide for their basic needs. However, her home is in urgent need of a facade for a long time now which has not been done due to their lack of funds. Snezana is requesting a loan to purchase the building materials to construct the house facade and to close in the balcony for winter time. Snezana said that without this support, she would not be able to facade her house.This loan will help her family to have better living conditions. She is grateful to Kiva lenders for improving their family 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
  • 1
    View loans »
    Kosovo Loans Fundraising
  • $1,785,575
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,050 helped Snezana to purchase building materials for house facade as well as to close in the balcony for winter time.
96% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 26, 2013
Oct 26, 2013
Currency Exchange Loss:
Jul 1, 2015