The applicant is 36 years old, married, and the mother of five children, with a primary school education. The applicant is seeking a loan to hire an assistant and purchase new hairdresser chairs and cosmetic products among other things for the renovation of her beauty salon. Her considerable expertise (cultivated from eight years of working in hairdressing) and her skills in making up the latest coiffures have already drawn in large numbers of female clients. These renovations will help to increase her revenues.
المقترضة 36 سنة متزوجة ولها خمسة اطفال، المقترضة انهت الدراسة الابتدائية، لقد تقدمت المقترضة بطلب قرض والغرض منه لتطوير صالون التجميل ولشراء كراسي جديدة للحلاقة ومواد تجميل، للمقترضة خبرية طويلة في هذا المجال بحدود 8 سنوات ، يأتي للمقترضة اعداد كبيرة من النساء بسبب خبرتها وبسبب موديلات الحلاقة الحديثة التي تتبعها، وسيساعدها هذا القرض على تطوير الصالون وهذا سيؤدي الى زيادة دخلها، وتنوي ايضا جلب عاملة اضافية تساعدها في العمل.
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.