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Sadbere is 30 years old and living in a Roma community, with her husband and four young children. She is a housewife, spending her time taking care of the household needs and their children, while her husband makes a living by carrying and transporting goods for others, for a small amount of money. Her husband's 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. They live in a very small and old house which is in very poor condition. Sadbere is requesting a loan in order to do some renovations in the rooms where they live. This loan will help Sadbere and her family to improve their living conditions, keep utility costs down, and contribute to the general health and comfort of her family.

Her goal is to renovate her house and she hopes to offer a better life to her family. Sadbere and her husband 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
  • 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 $950 helped Sadbere to do renovations in the rooms where they live.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Oct 16, 2013
Currency Exchange Loss:
Apr 17, 2015