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Bajramsha is from the Ashkali community and is a mother of six children, three boys and three girls, between ages 1.5 and 11 years old, with only two of them currently attending school. The last year has been very difficult for Bajramsha since her husband passed away, leaving her to raise six children on her own and creating a state of depression for her.

Bajramsha used to work together with her husband, selling different pieces of clothing in a market, but after his death she was unable to continue their business, due to family and house responsibilities. Instead, she now receives a social pension and some assistance from a humanitarian organization, but it is not enough money and she continues to be very poor and to live in bad conditions.

Bajramsha has applied for a loan in the amount of EUR 600 (Euros) in order to facade the inside and outside of the house, creating better insulation for the home, by keeping the heat in and the cold out. This will not only improve the overall living conditions of her family and allow them to live comfortably in the winter, but it will also contribute to their overall health and well-being.

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 $825 helped Bajramsha to facade the inside and outside of the house, creating better insulation for the home, by keeping the heat in and the cold out.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 15, 2014
Jan 21, 2014
Currency Exchange Loss:
Mar 17, 2015