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The borrower, Sefer, is a 45-year-old married man with two school-age children. He lives in a city in which the population is very large. This is an advantage to Sefer because his main source of income is generated from his workshop where he fixes shoes.

Sefer is a very hardworking person with a strong desire to get ahead and provide for his family. He currently needs a loan to buy the raw materials he needs in order to both complete orders that customers have recently requested and to accommodate future orders as well.

Sefer’s workshop has been operating for 20 years and has a reputation for high quality work and products. His dream is to expand and grow his business so he can improve his family's quality of life. He also dreams of giving his children a high-quality education. He hopes his business endeavors and successes will help them to realize their own dreams.

Sefer thanks all Kiva lenders for their support.

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 Kosovo

  • $7,600
    Average annual income
  • 27
    View loans »
    Kosovo Loans Fundraising
  • $2,072,150
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Sefer to buy raw materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 15, 2012
Aug 20, 2012
Currency Exchange Loss:
Sep 17, 2013