Year 9 have made another loan to help Bardhok, who lives in a country called Albania. Bardok has four children, all school-aged, and they live in the very rural northern part of the country.

He wants to buy a dairy cow with the loan that he is requesting from Kiva lenders. He wants to sell milk and baby calves to the locals. He said: “I have seen others in my village and region that pursue livestock activity, and they comment that it is worthwhile. Up until now, I have been selling fresh veggies and fruits and sometimes eggs, but adding some dairy produce will boost my income eventually and of course will increase the work volume, but I am ready for it. Livestock requires more hard labor because you have to wake up very early to milk the animals and get them out of the stable to breathe a bit of the morning fresh air, but anyhow almost every villager is an early riser whether they wanted or not."