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Miradija is a 49-year-old mother of four children, two boys and two girls, all of whom are adults now. They are still all living together in an Ashkali community of Kosovo.

Unemployment is high in these communities and she is fortunate that her husband is a taxi driver in his area, but he still doesn't earn enough to take care of all of the family expenses they have monthly. As a way to remedy this problem and ease some of their difficulties, Miradija and her husband have decided to start a new business. Working together as partners, they will sell used technical equipment that they will purchase in some of the bigger western European countries such as Germany. These products will include, but are not limited to, televisions, freezers, fax machines, scanners and even tires. For this reason she applied for a 2,000 EUR loan in order to buy technical equipment.

They will then sell this used equipment in a local market at a higher price to make a profit on each item. Since they are able to purchase these things at a low price, they believe that this business will be successful and Miradija is very happy that her first job and work experience will be as a business partner with her husband, which leads her to feel confident and secure about their decision.

Additional Information

More information about this loan

This loan is part of KosInvest's new startup loan program targeting particularly vulnerable clients who live at subsistence and do not qualify for the standard loan due to lack of income from an existing business. This program offers clients up to a 6-month grace period on the loan. By funding this loan, you are supporting borrowers who have limited options to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. 

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 $2,725 helped Miradija to buy used technical equipment like televisions, freezers, fax machines, scanners, and even tires.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 16, 2014
Jan 20, 2014
Currency Exchange Loss:
Feb 19, 2016