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Qamil is forty years old. He is married and has five children ranging from sixteen to four years old. He is living in a small village. Qamil is working as a security guard in a food market. His job is the family’s main source of income.

His wife loves her children very much and she spends most of the time taking care of them as a stay-at-home mom. Qamil’s family has had a longstanding problem with their toilet. The money he generates is not enough to pay for repairing the toilet. For the first time, he is asking for a loan to buy a water heater and other essential parts for renovation.

He hopes this loan will improve the health of his family. His goal is to improve living conditions and ensure an income for his family. Qamil is very grateful to KosInvest – KIVA lenders for improving the family's living conditions and standard of living.

Additional Information

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
  • 4
    View loans »
    Kosovo Loans Fundraising
  • $2,256,825
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Qamil to buy a water heater and other essential parts for renovation.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 13, 2012
Currency Exchange Loss:
Nov 20, 2013