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Arbnor is 20 years old, recently married, and has a child who is one years old.

In order to earn a living, he works at a private company as a construction worker, but with a very low salary. His wife isn't working at the moment; she is staying at home to care for their child and the home. Arbnor had wanted to do some general renovations to his home, but he is unable to do so with the low amount of money that he earns from his work.

Now for the first time, he is asking for a loan to redo the flooring in the apartment and make some other general renovations. The loan will help them to have a pleasant atmosphere and good living conditions.

Arbnor is hoping in the future to buy a piece of land and to build a house. His goal is to improve the living conditions, and to have another baby. He wants to thank 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
  • 29
    View loans »
    Kosovo Loans Fundraising
  • $2,090,725
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Arbnor to renovate his apartment.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 14, 2013
Jun 23, 2013
Currency Exchange Loss:
Mar 17, 2014