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Hedije, forty-nine years old, is a housewife and her husband is an auto mechanic worker. He is the main source of income for their family. Together they have one young boy. Hedije loves her son very much and spending her time taking care of him as a stay at home mother. At this time Hedije is requesting a loan to renovate her kitchen which is very old and in need of new tiles and water installation.

This loan will improve their standard of living and is important for sanitary and health reasons as food should be stored and prepared in an environment which is safe, clean and free from dangers of infection or germs. Hedije hopes in the future to be able to find a job and increase her family income so that she can contribute to providing a better education and future. She thanks all Kiva lenders!

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
  • 5
    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 $675 helped Hedije to renovate the kitchen, to buy tiles and to pay workers for water installation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 20, 2012
Dec 22, 2012
Currency Exchange Loss:
Jul 17, 2013