Partner Description (provided by KosInvest):

Last updated May 10, 2012


KosInvest started its operations in Kosovo in October 2001 as a micro-enterprise development division of World Vision. It's been a separate entity since January 2007. KosInvest operates exclusively in rural areas and is helping people generate more income and improve their living conditions.

As of December 2011, KosInvest had an outstanding portfolio totaling USD$4.4 million and 2,769 active clients. About 53% of these clients are women. Since it started providing loans, KosInvest has helped create 7,100 new jobs, and has positively impacted more than 40,000 children. All told, it has disbursed 12,683 loans amounting to USD$24.7 million.

KosInvest offers a wide range of loan products, including loans for micro and small enterprises, livestock purchases, women-headed households, general consumption, fiscal security, housing, and to fit agricultural schedules. In addition to loans, the organization provides business development services, helping clients calculate and manage their cash flows and create successful business plans.

In 2011, KosInvest won the Social Performance Reporting Award in the Silver Category from the Microfinance Information Exchange (MIX). The organization is member of the Association of Microfinance Institutions in Kosovo (AMIK), and of the Microfinance Centre and MIX. 


Kiva HelpRepayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva May 14, 2012 Oct 12, 2005
Total Loans $507,850 $422,858,225
Amount of Raised Inactive Loans $0 $258,525
Number Of Raised Inactive Loans 0 227
Amount of Paying Back Loans $470,225 $91,306,800
Number Of Paying Back Loans 320 99,215
Amount of Ended Loans $37,625 $331,292,900
Number Of Ended Loans 29 434,304
Delinquency Rate 0.72% 2.22%
Amount In Arrears $2,530 $1,280,358
Outstanding Portfolio $353,820 $57,625,985
Number of Loans Delinquent 15 10,235
Default Rate 0.00% 0.97%
Amount of Ended Loans Defaulted $0 $3,220,059
Amount of Ended Loans $37,625 $331,292,900
Number Of Ended Loans Defaulted 0 9,823
Currency Exchange Loss Rate 0.00% 0.02%
Amount of Currency Exchange Loss $0 $77,435
Refund Rate 0.00% 0.96%
Amount of Refunded Loans $0 $4,068,925
Number Of Refunded Loans 0 4,589

Kiva HelpLoan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans To Women Entrepreneurs 47.21% 74.05%
Average Loan Size $1,455 $406
Average Individual Loan Size $1,455 $645
Average Group Loan Size $0 $1,741
Average Number Of Entrepreneurs Per Group 0 8
Average GDP Per Capita (PPP) in Local Country $6,500 $3,346
Average Loan Size / GDP Per Capita (PPP) 22.39% 12.14%
Average Time To Fund A Loan 4.26 days 4.69 days
Average Dollars Raised Per Day Per Loan $341.84 $86.56
  Average Loan Term 18.14 months 9.6 months

Kiva HelpJournaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 17 202,696
  Journaling Rate 25.00% 39.94%
  Average Number Of Comments Per Journal 0.00 0.11
  Average Number Of Recommendations Per Journal 0.06 2.73

Kiva HelpBorrowing Cost Comparison (based on 2011 data)

    This Field Partner Median for MFI Peers in Country All Kiva Partners
  Portfolio Yield 29.50% 23.80% 35.14%
  Profitability (Return on Assets) -3.9% 0.4% -0.41%
  Average Loan Size (% of Per Capita Income) 47.80% 47.80% 46.81%

Kiva HelpCountry Fast Facts

Field Partner Staff

Bianka Gjikondi
Rusudan Kharabadze
Rachel Lewis
Shpresa Qorri
Fatma Rastelica
Alice Reeves
Arta Spahija
Njomeza Tasha
Natyra Zuna