He is 24 years old, single, Assistant Accountant to the Notary Public in the morning shift. He opened this shop 5 years ago. This is the 3rd loan that he has received from AL-Thiqa. He has made all the repayments in a timely manner. He has a single employee in his shop to work with him. He has a high income due to this shop because his shop has a good location in the market.
Please note this Field Partner is "atypical" among Kiva's partner base as they have not been visited by any members of Kiva's staff. Because of on-going security concerns, due diligence was conducted remotely. This partner does, however, meet all of the minimum criteria for partnership with Kiva. Also, please be aware that Iraqi regulations are currently unclear about whether microfinance institutions are legally allowed to obtain foreign funding. While Kiva has been able to send and receive funds to and from Iraq in the past, there is a possibility that future loan repayments could get stuck in the country for regulatory reasons, even if individual borrowers pay back their loans. As a lender to borrowers in Iraq, you would be taking on this additional risk. Kiva cannot guarantee the return of these funds, but it will do all within its power to resolve any issues that may arise.