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Zivka lives in a minority community in Kosovo. She is single and lives only with her sister. In the past, she used to work in an electrical company but is now receiving a pension just like her sister is. The pensions are their main source of income, which is usually enough to meet their daily needs. However, as they live in an old house, they would like to be able to purchase material in order to fortify the facade of the inside and outside of the house before the winter comes. For this reason, for the first time, she request a loan in order to buy material for facade the house. This will allow them to have better insulation and prevent leaks or drafts during the cold and wet winter season, which is quickly approaching. Zivka is hoping to be able to save money in the future and is grateful to all of the lenders.

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
  • 19
    View loans »
    Kosovo Loans Fundraising
  • $1,852,425
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Zivka to buy materials for the facade of the house.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Oct 29, 2013
Nov 9, 2013
Currency Exchange Loss:
Jul 30, 2015