KosInvest, a Kosovo MFI created in 2001, developed a new product sub-line aiming to bring productivity and loan affordability to the rural poor. The proposal concerns the Livestock Loan Product to ensure that low-income, rural entrepreneurs have access to loans for productive and healthy animals, thus allowing them to achieve a higher income and increase their sustainability and accountability. This new rural microfinance product has various innovative factors such as the use of the animals as collateral of the loans.