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Zineta is 44 years old and comes from the vulnerable ethnic minority community. She is married and has four children, ranging from 11 to 18 years old, all of whom are in school. Zineta’s husband is employed as a construction worker.

Many people from these minority communities in Kosovo, such as Zineta and her family, live in extremely poor conditions. They lack access to proper nutrition and care, as well as being exposed to unsanitary conditions.

Despite that, Zineta sometimes works and sells handicrafts when she has an opportunity to. The money that she and her husband generate is not enough to cover all of the daily living expenses.

Although raising four children and keeping food on the table is difficult at this time, Zineta remains optimistic. She is always smiling.

The toilet that they have is very old. Zineta recently requested the loan to improve her family's living conditions by starting with renovating the toilet.

She promises she will repay the loan on time. She is very grateful to the KIVA lenders for improving her family’s conditions and contributing to her children’s overall health.

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
  • 23
    View loans »
    Kosovo Loans Fundraising
  • $2,061,175
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Zineta to renovate her family's toilet.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 18, 2012
Currency Exchange Loss:
Jan 17, 2013