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Smilja is a 56-year-old married woman who has two young children. She lives with her family in a Serbian community in Kosovo. Her husband receives a pension. Twelve years ago she began to run her own boutique.

She started with a small store selling clothes and has been able to expand since then, still hoping to continue to expand the business even further. She sells different types of clothing for people with a variety of tastes and styles.

Smilja is requesting a loan in order to buy clothing and expand her collection to meet customer needs. She is also considering adding different styles of clothing in order to appeal to other clientele and increase her customer base. She hopes to expand her business and own a large boutique shop and be able to hire an employee to assist her.

She serves Albanians and other community members living in Kosovo. Smilja is very thankful to Kiva lenders for this help and appreciates all lenders.

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 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 $2,600 helped Smilja to buy clothing and expand her collection.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Oct 13, 2012
Currency Exchange Loss:
May 17, 2014