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Zarife

Update on Zarife

Zarife wants to thank all of the lenders for the previous loan, which has helped her to purchase windows and door frames to improve the living conditions and the family's overall health during the cold and rainy seasons. She is very satisfied with the loan process and the results that she has enjoyed thanks to the loan.

She is once again requesting a loan to repair and address the problems and condition of her toilet. With this loan, she will continue to improve her family’s lives and their standard of living, a dream that she had always had. She hopes in the future that she will be able to find a job and contribute to the finances of her family, and give her children a better education.

Previous Loan Details

Zarife lives in a southwestern part of Kosovo in a minority community. She is a housewife and stay-at-home mother. Her husband works in a warehouse with a very low salary; he is the main source of income for his family. Together, they have a 2-year-old child. The family is living in unaccepta... More from Zarife's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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.

Tags

About Kosovo

  • $6,500
    Average annual income
  • 0
    View loans »
    Kosovo Loans Fundraising
  • $1,772,650
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,375 helped Zarife to repair and address the problems and condition of her toilet.
36% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 20, 2014
Listed
Jul 23, 2014
Currency Exchange Loss:
Possible
This photo was used before for a previous loan for Zarife. It was first posted on Kiva on Dec, 2012. Learn More