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Hetem is married. He lives with his wife and two children in the southern part. Over the years, he has made a living through farming. He began by buying a cow and sheep. Now he has multiplied the ones he has. Since then, he has seen his business grow and he is able to provide income for his family by producing and selling milk.

To generate more income, Hetem also has another job. He works during the night as guard.

Now Hetem is requesting a loan to buy another cow. He wants to increase the number of cows on his farm, and believes that this business will help him to achieve his goals. He hopes to continue improving his living conditions and ensuring better education for his children. He is grateful to 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 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 $925 helped Hetem to buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 8, 2013
Currency Exchange Loss:
Apr 16, 2014