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Shemsi is a 31-year-old, single male. He is living with his entire family in his parents' house in a small village in the mountains, about 7 km from the city. In order to earn a living, he works together with his brother and his father in a private company as a construction worker. Also, based on family tradition, Shemsi works in agriculture, keeping a cow to reduce the cost for milk and milk products.

Shemsi has recently sold the cow that he had for several years when the family needed additional income. Now, in order for Shemsi to increase his income for his family again, he is asking for a loan to buy a new cow. With this cow, he is planning to reduce the milk and milk-product costs for his family. Shemsi hopes that he will benefit in the future to improve his family's living conditions, and his real goal is to have a better future. Shemsi 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 Kosovo

  • $7,600
    Average annual income
  • 27
    View loans »
    Kosovo Loans Fundraising
  • $2,068,175
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD
A loan of $2,025 helped Shemsi to buy a cow to reduce the milk and milk-product costs for his family.
Repayment Term
22 months (Additional Information)
Repayment Schedule
Aug 13, 2013
Aug 30, 2013
Currency Exchange Loss:
Sep 29, 2013