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Sadeta is 27 years old, married and a mother of 3 children between the ages of 2 and 6 years old. Sadeta is very dedicated to her family and stays at home to care for the children and the house. She does receive a small amount of social help, which contributes to her family’s income. However, her husband, who works in an electric company, receives a very low salary and they are still very poor and living in bad conditions. The house that they live in is very small and one of the rooms is in such poor condition, it is not livable.

Sadeta is requesting a loan so that she can purchase the materials for them to repair and remake that room so they will enjoy more space and improve their home. She is very pleased to have an opportunity to give her family better living conditions and a positive and comfortable environment in which her children can grow. She is hoping that, in the future, she will be able to find employment and increase the income for her family even more. Her goal is to ensure that her children have a better education and future.

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 $975 helped Sadeta to purchase the materials to renovate a room so they will enjoy more space and improve their home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 7, 2014
Feb 24, 2014
Currency Exchange Loss:
Oct 17, 2014