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Vesna is 48 years old and married, with a 2-year-old son. She lives in one of the minority communities in Kosovo. She is a housewife, and her husband is working for the electric company but earns a very low salary, which is barely enough money for them to meet their daily needs with.

Vesna has often tried to save money and plan ahead for the increased costs that come with winter time, such as increases in electric bills and the necessity to purchase wood for heating, but she been unable to do so with only her husband’s income.

At this time Vesna is requesting a loan so she can purchase the wood in advance and prepare for the winter.

Her goal is to find a job in a near future. She promises that she will pay her loan installments punctually and really appreciates the help.

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
  • 36
    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 $950 helped Vesna to purchase wood in advance, preparing for the winter.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 22, 2013
Nov 8, 2013
Currency Exchange Loss:
Sep 17, 2014