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Jovica is 35 years old and comes from a minority community. He is married and has three children between the ages of 3 and 12 years old. His wife works as a cleaner in a clinic in their community, and Jovica is a technical worker in the same place of employment. Both of them are working with very low salaries and they don’t earn enough to provide all the needs of the family.

Currently they live in a house which is in need of renovation, and they would like to repair the façade of the home due to the high cost of electricity, which would save costs on heating in the winter. Jovica, for the first time, is requesting a loan to renovate and repair the façade of the house. The loan will help Jovica and his family to improve their living conditions, and he hopes to offer his children a better life. Jovica and his family want to thank all Kiva 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
  • 6
    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 $2,050 helped Jovica to renovate the facade of his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Dec 2, 2013
Currency Exchange Loss:
Dec 17, 2014