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Andrijana is 28 years old and is recently married. She lives in a minority community in Kosovo. To earn a living, she cooks in a restaurant and her husband works as a technical worker in a primary school with a very low salary.

Their existing house is very old and damaged; and the furniture is old and uncomfortable. They are planning to have a beautiful house. Unfortunately, they can only see the things that need immediate renovation work. Their salaries are only enough to support basic family needs and she would like to improve their living conditions.

Now, for the first time, Andrijana is requesting a loan to purchase building materials to renovate her toilet and rooms. With this loan, Andrijana will be able to renovate her house. The family's living conditions will be improved and they will be able to live in a comfortable environment. Andrijana’s goal is to have children and to have a better life. Andrijana is grateful to all Kiva lenders for improving the family's living conditions and standard of living.

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
  • 11
    View loans »
    Kosovo Loans Fundraising
  • $2,248,425
    Funds lent in using Kiva
  • 0.8
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,975 helped Andrijana to purchase building materials for renovating the toilet and other rooms in their house.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Mar 27, 2013
Currency Exchange Loss:
Dec 17, 2014