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Milan is 26 and living in a minority community with his wife and one-year-old child. His wife is a housewife, taking care of the household needs and their child. To earn a living, Milan works as an office holder in his area. His job is the family’s main source of income, but he does not earn enough to provide for all of the needs of his family.

Currently, they live in a house which is in need of renovation. He wants to work on the facade of the house in order to save costs on heating during the winter. For the first time, he is requesting a loan to work on the interior facade and to renovate the toilette. This loan will help Milan and his family to improve their living conditions, keep utility costs down and contribute to the general better health and comfort of his family. His goal is to renovate his house, and he hopes to offer his child a better life. Milan and his family want to thank all Kiva lenders!

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
  • 0.7
    Euro (EUR) = $1 USD
A loan of $2,025 helped Milan to work on the interior facade and to renovate the toilette.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 26, 2013
Sep 21, 2013
Currency Exchange Loss:
Oct 21, 2013