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Sanja lives in a small village in a minority community with her husband and three children: two girls and one boy. Sanja is a hardworking woman who works a lot to earn a living; she is working hard on her land together with her husband. Sanja runs an agricultural business and uses the tractor to provide seasonal agricultural services to local farmers and charge a service fee for the work. This will significantly increase the family's income, and the increased income will enable her husband to do administrative work in a school.

She plants peppers, wheat and corn and then she sells them in a market. She is requesting a loan for the first time to buy an agricultural machine that is larger than the one that she has now in order to make her work easier and more efficient. The loan will help with these activities, and therefore the family's living conditions will improve. With the increased income, they will be able to expand their agricultural business. Sanja wanted to thank all of the lenders at Kiva for their kindness and generous support.

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 Kosovo

  • $7,600
    Average annual income
  • 4
    View loans »
    Kosovo Loans Fundraising
  • $2,256,825
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,350 helped Sanja to buy an agricultural machine.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Oct 6, 2013
Currency Exchange Loss:
Apr 17, 2015