This borrower is 27 years old. She graduated from primary school and is married with a child.
She will use this loan to develop her beauty salon and to purchase makeup, new chairs, and a hairdryer. She has been able to gain lots of customers in the market. She has a unique way of styling her clients which draws them to her salon (especially the brides).
She has a good character and a good reputation in the market and this has made her a celebrity among the women in her community.
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.