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Jelena is 41 years old and the married mother of three children, two girls and one boy, ages 15 to 20 years old. She is a housewife, receiving a social pension, and her husband works in a clinic as a support technician, earning a low salary. They all live in a minority community.

Her house needs immediate renovations. Every winter it costs a lot of money to buy coal to keep the house warm.

Jelena is applying for a loan of EUR 1,500 to buy materials to renovate her home’s roof, which has needed repairs for a long time. The damage to the roof is so much that when it is snowing and raining, the water leaks into the home, causing additional damage, drafts, and poor living conditions.

As winter is approaching, she would like to get the roof repaired quickly so that she can keep everyone in the family warm, safe, and healthy.

Jelena hopes in the future to find a job and to offer better living conditions for her family. She is very thankful for 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
  • 9
    View loans »
    Kosovo Loans Fundraising
  • $2,245,550
    Funds lent in using Kiva
  • 0.7
    Euro (EUR) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Jelena to buy materials to renovate her home’s roof.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Nov 7, 2013
Currency Exchange Loss:
May 17, 2015