Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:


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. 


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva May 14, 2012 Oct 12, 2005
Total Loans $1,398,375 $603,625,750
Amount of raised Inactive loans $0 $517,700
Number of raised Inactive loans 0 449
Amount of Paying Back Loans $879,250 $118,998,550
Number of Paying Back Loans 554 128,322
Amount of Ended Loans $519,125 $484,109,500
Number of Ended Loans 392 612,037
Delinquency Rate 0.99% 4.17%
Amount in Arrears $5,224 $3,223,190
Outstanding Portfolio $529,072 $77,262,633
Number of loanDelinquent 26 14,115
Default Rate 3.21% 1.11%
Amount of Ended Loans Defaulted $16,659 $5,357,808
Amount of Ended Loans $519,125 $484,109,500
Number of Ended Loans Defaulted 21 16,820
Currency Exchange Loss Rate 0.00% 0.09%
Amount of Currency Exchange Loss $1 $572,886
Refund Rate 0.35% 0.75%
Amount of Refunded Loans $4,900 $4,553,925
Number of Refunded Loans 3 5,085

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 52.85% 74.22%
Average Loan Size $1,479 $419
Average Individual Loan Size $1,479 $656
Average Group Loan Size $0 $1,830
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $6,500 $3,424
Average Loan Size / GDP per capita (PPP) 22.75% 12.23%
Average Time to Fund a Loan 10.12 days 5.69 days
Average Dollars Raised Per Day Per Loan $146.18 $73.56
  Average Loan Term 18.13 months 10.4 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 345 301,614
  Journaling Rate 75.99% 42.41%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.00 1.84

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 28% PY 21.00% PY 33.19% PY
  Profitability (return on assets) -12.2% -0.4% -1.44%
  Average Loan Size (% of per capita income) 47.80% 46.00% 40.64%

Country Fast Facts

Field Partner Staff

Zana Nici
Shpresa Qorri
Fatma Rastelica
Arta Spahija
Njomeza Tasha
Natyra Zuna