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Refik is 28 years old, married, and the father of five children. The children are three boys and two girls, ranging in age from 1 to 10 years. Two of them go to school. The family lives together in a minority community in Kosovo.

Since 2005 Refik has worked in his own business, carrying wood for others, using his horse. This is the main income source for his family. Refik is a very hard-working man, who works a lot to support his family. He uses his horse to carry wood in his area. The money he earns from this season he must save, also, for the spring and summer seasons when he does not have a lot of work to do.

Recently the family moved into a new house in another place, and Refik wants to build a new stable for his horse. He is requesting a loan of 1,300 EUR in order to build a new stable for his horse. The loan will help him to have a place for the horse and to continue his business, which is very fruitful in this cold weather. He hopes in the future to ensure a better life for his family. His goal is to give a better education to his children. He is very grateful to all Kiva 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
  • 26
    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 $1,725 helped Refik to build a new stable for his horse.
100% repaid
Repayment Term
30 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Dec 14, 2012
Currency Exchange Loss:
Sep 22, 2015